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“Customer feedback in New Zealand and Canada confirms that consumers are not willing to pay more for the same products or offerings,” an article about credit surcharges on American Express’s small-business Open Forum warns.In both studies the article cites, customers overwhelmingly rejected merchants that implemented surcharges.

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And if we do use cards, we’d probably use more bank-account or prepaid debit cards, which aren’t subject to the surcharge.

In other words, we’d pay less in interest, which is good news for us but bad for banks.

And there are laws prohibiting these surcharges in 10 states: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas.

Ultimately, though, consumer awareness will be the strongest deterrent against widespread credit-card surcharges.

If consumers respond in a similar fashion here — and there’s reason to believe they would — surcharges probably aren’t going to become common.

There could be exceptions in markets where there’s little competition; we’ve seen airlines get away with piling on fees, for instance, because there are relatively few carriers out there for all the people who need to get from Point A to Point B.

If surcharges become the norm, expect credit-card promotions touting low- or no-surcharge transactions to become part of banks’ marketing mix, similar to what we’ve seen with the gradual rollback of foreign transaction fees on many new card offers.

No, it’s not as exciting as a rewards program that lets you earn cash back or a free flight somewhere, but those points, miles or what have you were never really free.

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Two young boys, students earning additionally nurses lazily sprawled on chairs, staring at the small screen of a small TV, which broadcast the concert on the Soviet music.

In a new online guide to credit-card surcharges, watchdog group Consumer Action points out that different cards will have different surcharges, so customers will have to keep track of not only which stores charge them but also how much using each card would set them back.

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