As seen from our price point, we have a very low profit margin and strive to keep it that way.  Using credit cards is the way business transactions happen all the time, however the fees they charge eat away at that meager profit margin of ours.  We want you to be able to shop with us, and we will gladly take your credit card as payment. However in order to keep our profit margins low we charge a 3% convenience fee for credit card or PayPal transactions.