Interest rates aren't the only thing that could affect your credit card balance.
Starting yesterday, retailers can charge you a 4% surcharge fee -- for simply swiping your credit card.
Ten states are banning the extra fees, but South Dakota, Minnesota and Iowa are not. Adam Levin with Credit.com says there is a silver lining to this news. "It will really only be the smaller retailers or service providers who might do it but it's really anybody's guess."
The next time you're at a shop or boutique, look for a sign that will warn you of the surcharge.
Each store is required to make you aware of the extra fee.
