Credit card companies charge a fee to the merchants for a customer using a credit card. Most merchants bump up their prices to cover for this fee or pass the fee on to the customer directly. In the case of Field Stone they are just pushing that fee forward to us. I think visa charges between 1.5% to 2% of the transaction price to the merchant. If all of us paid by cc and Field stone covered the cost that would be roughly 8k. That’s probably why they also offer the direct bank pay option.