I left a message with the reception venue yesterday to tell the catering manager I was ready with a credit card to put down our deposit. Today, he called me to tell me that there was a five percent surcharge for using credit cards. WHAT! Five percent is a pretty hefty amount when it comes to the costs of renting a reception venue and all the related catering costs. The crazy thing is that I have done quite a bit of research on credit card rules. (I am doing work on credit card interchange fees). According to Visa's rule book, merchants aren't allowed to charge surcharges to consumers. The same thing goes for the small merchants that put up signs with $10 minimum purchases - not allowed!
Even though I know these rules, I don't plan on calling Visa to tattle. Why, you may ask? Yes, it would be a lot easier to just charge my credit card, but I don't want to upset my vendor. I would like to build a good relationship with our catering manager. The last thing I want is for an "accidental" cake drop on our wedding day. (I don't think that would actually happen, but I don't want any bad feelings. I feel like our venue is one of the best deals in DC. So we will pay by check and spread the costs out over a longer period of time and all will be well.)