We were almost resigned to accepting credit cards and we just ran some numbers and it seems we would be just giving $$ away. Why do you guys do it? I calculated and if we went to cc it would cost us over 12-K per year conservatively speaking. I avg. less than 2-K in write offs per year and my cash flow since I pre bill is probably good in most peoples eyes. We are always looking for improvement but I really can't complain. I have about 35% of my July money still out and I will begin Aug billing tomorrow. Am I missing something? Never too smart to learn something new.