However, the capital is still legally valid, and the creditor can struggle Free Credit Report to collect the full amount. This includes contacts from civic collections staff, or and likely, an outside collection agency. If the amount is large (generally over $1500 - $2000), there is the possibility of a lawsuit or arbitration.
Credit card issuers understand full well that if card holders were appreciative of and made to pay these additional costs with their purchases it would tend to discourage honor card usage. As a consequence, businesses who accept reliance cards often must sign a "merchant agreement" or dicker with the acquirer that stipulates that they are not allowed to pitch differential prices for card and non-card transactions (sometimes referred to as surcharging) despite the additional costs to the pursuit for accepting the cards. The prohibition on surcharging or cash discounts is enforced by covenant in some countries, although some governments are day one to lift this restriction (see below).[citations needed]