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Yeah, that's a fair comment. I just haven't cared enough to stir that pot, and I like 'em. Maybe I'll get around to it one day. The only recourse would be to report them to the credit card companies, and I have a big problem hassling a local small business by reporting them to a faceless multinational just to help the big distant guy beat up on my little local guy.
The reason they add the % is because the typical mark up is low enough on some guns (especially special orders) that he would lose money from a 3% CC fee.
Im sure he'd be happy to mark the total price on everything by 3% for everyone, to make up for people that complain about having to pay more by using a CC. Hes doing everyone else a favor by giving the lowest price possible.
Yeah it may be against what the bank's policy is, but who would you rather side with, a bank, or local business giving a discount for cash?