Let’s say Bob comes in and quotes you COST for all retail swiped personal credit cards. You’re thinking, “Man this is great, I’m getting cost!” But the fact is that you only take one or two retail swiped personal credit cards each month. Most of your swiped cards are debit cards and Bob is now marking them up a ton. So Bob isn’t saving you anything at all. He’s actually charging you more. There are lots of ways to put lipstick on a pig!