Very well said. I just wanted to buy N-95 some times back. When I went to a big showroom, they asked me the retail prize of 27K (off course they were happy, even though if I was paying through CC). The same N-95 I bought from a small shop at 25 K only but yes, He was sure to take 2% on 25K when I proposed to pay from my CC. It's always a good deal to bargain on cash prize and not just swipe in your card. After all, It's you who is gona pay the money back .