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Who wants to pay a $3 bill with a Visa?
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I'm right there with you on that! If you want to whip out your card, do it at a restaurant. McDonalds and Burger King aren't restaurants - they are 'fast food'.
It's hardly fast when you are waiting in the drive through, or in line, while someone hardly qualified to tie your shoes tries to figure out the intricacies of a credit card transaction.
Carry five bucks with you and the problem is solved.