<prompt> Human: I work in retail and I just had some lady not want to put a single 2 item on her credit card and I basically assume its because she assumes she gets charged per swipe or something... Ive never been clear on how that typically works for personal credit cards. I know that you usually get charged a percentage of your balance per month for example, but Ive never seen charges based on how many times you swipe your card for the individual, not a merchant that is. So is this assumption just a common misconceptionurban legend? I mean, Im assuming there are really crappy credit card plans that would do this, but not the good ones. Placing a per swipe charge seems like it would discourage card use and the cc companies wouldnt want that. Any input?  <response>: never ever heard of a CC company charging owners by swipe... THey DO charge the merchant by swipe or have a minimum charge per swipe, so maybe they are trying to look out for the retailers they visit.Ill charge a pack of gum. 