robbyp: I use cash or eftpos anyway. I mainly use credit card for online purhcases, or from comapnies that I have to order a product through, just in case they end up going out of business before they supply it. If I was getting airpoints I may use it more, but someone has to pay for those airpoints. Perhaps the most fair way of doing it, is the CC compony charging their cusomters directly for each transaction, but then many people wouldn't use them The CC's have come out complaining about retailers, becuase this change by the comcom will probably mean that CC's are used less, which means less profits by the CC companies. This change is perhaps a good thing for NZ, as our amount of personal borrowing is way out of control.
It annoys me. I live entirely off my credit cards, because I travel, and so I don't have a "NZ EFTPOS card", an "Australian EFTPOS card", a "Singapore EFTPOS card", etc. Many other tourists and business travellers are like this as well -- which projects a rather negative image of NZ (or other surcharging countries).
So, I will pay with a credit card -- or with cash, which is much more expensive for a merchant to handle.
These fees really started annoying me in 2008/2009 when many hotels across Australia introduced credit card surcharges for paying their bills - which is unreasonable given that it is often the ONLY way to pay for a hotel (given the practicalities of carrying thousands in cash, and EFTPOS transaction limits). This caused me to keep moving my business away from hotels which charged this until I ran out of options :(.