For small business, credit cards have a major downside--chargebacks. Very Large companies that provide lots of profit to the credit card companies have the credit card companies work harder for them in fighting charge backs.

The other down side to credit cards is the trail you leave behind of when, where and how you have spent your life. Cash leaves no fingerprints.

After reading the recent Visa/Master Card settelement with the retailers, I have come to the conclusion that the credit card companies are very evil in the way they conduct their business.