Gas stations, restaurants, hotels: Most of us just don't pay with cash at these establishments. We use credit cards, and credit card companies love it. Why? Because they make nearly 150 billion dollars a year in merchant fees. These fees are paid by businesses for the benefit of accepting cards. Today, Chip Lupo from WalletHub joins us on the On Your Side podcast. He tells us the next time you use plastic, look at the receipt because many merchants are passing those fees on to you.