mˈoʊst dˈɪskaʊnt stˈoːɹz ʌv ðɪs tˈaɪp dɪdnˌɑːt ɐksˈɛpt kɹˈɛdɪt kˈɑːɹdz bɪkˈʌz tɹænsˈækʃən fˈiːz tʃˈɑːɹdʒd baɪ ðə kɹˈɛdɪt kˈɑːɹd tɹænsˈækʃən pɹˈɑːsɛsɚz wɜː kwˈaɪt hˈaɪ ɪn ɹᵻlˈeɪʃən tə ðɛɹ sˈɪŋɡəldˈɪdʒɪt pɚsˈɛnt ɹˈeɪndʒ mˈɑːɹdʒɪnz, ænd ðeɪ wʊdhˌævtə ɹˈeɪz pɹˈaɪsᵻz tə kˈɑːmpənsˌeɪt, pˈʊɾɪŋ ðˌɛm æɾə kəmpˈɛɾᵻtˌɪv dˌɪsɐdvˈæntɪdʒ tə stˈoːɹz ðæt dɪdnˌɑːt ɐksˈɛpt kɹˈɛdɪt kˈɑːɹdz.
Most discount stores of this type did not accept credit cards because transaction fees charged by the credit card transaction processors were quite high in relation to their (single-digit percent range) margins, and they would have to raise prices to compensate, putting them at a competitive disadvantage to stores that did not accept credit cards.