Manson said:
Brian I realize all stores factor in CC costs in their pricing. I spoke to that in an earlier post. The issue for me (at least one of them) is attempting to appear cheaper by making the adjustment at the point of sale. If people like dealing with Bud's the difference in price, especially for the gun they want and is found in stock, may not be an issue. But without doing the calculation I know that a $400.00 gun at one of several places I deal with is cheaper than a $400.00 gun at Bud's. And in many cases I get very reasonable shipping that means a lower total.
As someone else has already pointed out I too use a credit card for the convenience. The fact is I don't have any credit cards. It's a debit card. The money is immediately withdrawn from checking. I understand (not sure) the charge for a debit transaction is twelve cents. If this is true many purchasers are paying between ten and forty dollars for a twelve sent transaction.
Additionally my dislike for Buds extends beyond pricing. I personally know of one case and have read of several others in which Bud's asks buyers to submit a review and than "edit" it to remove unfavorable comments.
As always this is just my internet opinion. And we all know what those are worth.
Debit cards that are processed based on their CC logo are charged a fee similar to any other card.
Debit transaction fees for cards run as debit are no more "fixed" across processors than are CC fees, one store might pay 25 cents, another 10, and Buds doesn't run them this way anyway, nor does any other online retailer I know of.
So far as the "attempting to appear cheaper", I guess it's all in the perspective. How else would they do it? Show the higher price and then discount it if you're paying cash? That wouldn't make much sense, IMO. I don't think they're hiding anything. Their terms of payment clearly spell out the charges, you don't have to add it to your cart before they tell you.
The issue with having to do a calculation is kind of a moot point, I think. I sincerely hope that most any adult knows that 3% of 500 is 15, of 300 is 9, etc, virtually without conscious thought. It's an "extra step", I suppose, but one that should be measured almost in milliseconds.
Ultimately, we ll do business with whomever we like best. I've had good luck with Buds in my limited dealing with them and I've heard a very high percentage of positive stories. For guns that I've wanted, they are as cheap or cheaper than any other source I've found. Naturally, your mileage may vary.