<prompt> Human: Neighbors and I had a fence installed. I owe just under 1000. They want to charge me 2 to use my credit card. I have the money to just write a check because I saved some of my tax return, but Ive heard that using a card offers protections. I know its just 20, but that seems like a lot.  <response>: Get a 2 cash back card and it is a wash 