In essence, that's it. It's not really the credit cards. Credit cards can charge what they want. As soon as they become non-competitive, at some point you have to react.
Let me ask you again. Is the problem that the independents buy gas at, let's say, $1 a litre, and they're allowed to retail it...? Or they're not allowed to retail it, because the market is selling it for $1.08. Is it that the oil companies are able to sell it for $1.08 and have the same charges, because they have an advantage over you? Is that the real problem?