> Anyone who wants to charge me to spend my own money in a slightly more convenient way can go fuck themselves
For what it's worth, every time you pay with a *credit* card, Visa / Mastercard takes a 2-3% cut, which, surprise, will get added on to the shop prices to compensate. (And with American Express, it's nearer 5%...... ever wondered why so few small shops take Amex?)
If you are paying your friendly, local business, pay 'em in cash. They will appreciate not letting the credit card companies dip a finger in the pie, and cash-flow can be an issue with small business. (The credit card companies will only pay the merchant monthly)
Debit cards on the other hand, charge a flat fee (rather than a percentage) typically of a few pence. All the same, I'd rather pay cash and not let these parasites take a cut.