Hayes wrote:

Taking plastic as a merchant, will cost you an additional 2%, minimum.
It's utterly foolish to take plastic, at a garage sale no less.

Browsing one night I found a used truck I liked.

Told the salesman I'd have to go home for a check.

Instead, he accepted my American Express card for $11,400.

Evidently he computed that the certain discounted Amex price was worth more
than the possibility of me returning with a check.