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Until financial regulators and lawyers dragged this obscure term into general discourse, most people had no idea what an interchange fee is. It’s the fee, typically about 2%, that a store pays your bank when you use a credit card at checkout.) For low-margin businesses like supermarkets as well as mom-and-pop stores that don’t have the clout of their big-box brethren to negotiate lower rates, these fees cut into profits in a big way.

But in a contentious legal ruling that is still being disputed, a U. District Court determined last year that merchants are allowed to pass along the cost of those credit-card interchange fees to customers.

To add insult to injury, lenders then won’t admit the real reason for their refusal.

In most cases decisions are taken by computers programmed to exclude certain borrowers.

Stores have to let you know with a sign on the door if they’re going to add a surcharge — although they don’t have to tell you how much it is until point of sale, when you’re already at the cash register.

And today’s retail landscape is hypercompetitive, so many stores will be hesitant to risk alienating customers by charging extra for using plastic.

For example, some lenders reject landlords, older customers or the self-employed.

Last modified 08-May-2016 02:53