The first time I encountered that, I didn't like having haggled the price down to what I was willing to pay, only to be told at the point of sale, "Oh, you're using a credit card? I have to charge you 3% more for doing that." BUT, my disappointment over that was unreasonable though. Gun stores are one of the few places where haggling over the price is still commonplace. Bargaining isn't completely fair to the seller if, after he's agreed to the lowest profit he can accept, the buyer opts to pay with something that will cost the seller a surcharge. It is much easier for the seller, who knows how much he has invested in the firearm, to calculate his possible profit margin during haggling without trying to figure how much the surcharge percentage will be for each proposed amount. In a lot of small gun stores like the ones I frequent, the profit margins are pretty small. So I am more than willing to incur a 3% fee for using a credit card if that allows gun stores to continue to dicker a little over the prices.