Why many business owners would love it if you stopped using your credit card

Customers at SolDias ice cream shops in Texas are encouraged to pay with cash instead of credit cards. Owner Victor Garcia is backing a legislative effort that aims to lower credit card processing fees through increased competition. (Victor Garcia/Courtesy of Victor Garcia)

Whenever someone uses a credit card to buy a scoop of mango ice cream at one of Victor Garcia's shops in Texas, the financial system takes a bite.

Credit card fees gobbled up more than $25,000 of Garcia's sales last year. He's now posted signs at his two shops near Fort Worth urging customers to think twice before paying with plastic.