Stores are violating their contract with the credit card companies if they set minimum or maximum charges, or force you to show ID in addition to your credit card (with the obvious exception being for age-limited purchases). Depending on your state and your card issuer, surcharges or "convenience fees" may be banned as well. The best way to straighten these guys out is to report them to the credit card company. Here's an interesting fact in Here's a different kind of rewards card, instead furthering more material consumption, the Last Sunday's 60 minutes had a report by Lesley Stahl about the now-infamous TJX data breach.

The most interesting conversation was between Stahl and a representative from the National Retail Federation, who placed the blame for lax store security on the credit card companies:
"Is there growing tension between the two sides now?" Stahl asks Dave Hogan, who handles computer technology at the National Retail Federation.

"Lesley, absolutely, there's growing tension between the two sides," he replies.

Hogan says credit card companies should change how they do business. "If we could just force Visa and MasterCard to not require retailers to store credit card data, this issue would disappear overnight," he argues.

Hogan says card companies force retailers to store customer data in case there are charge disputes. He thinks the card companies should hold the data, not the stores.

"Honestly, we can eliminate this problem within a few days," Hogan says.

"If it's that easy, why hasn't it been done?" Stahl asks.

"I'm not too sure how vested the credit companies are as far as securing customers' data," Hogan says.

"And you're saying that the credit card companies are the one's who are not security conscious?" Stahl asks.

"In my humble opinion, no," Hogan replies.

He accuses the card companies of using this issue as a way to make money. Visa, for example, has started fining large chains that do not have up-to-date security $25,000 a month.

"If you do the math o