Credit Card Grumbles

Saturday night I decided that accepting credit cards was more expensive than it was worth:  at minimum it costs $280/year, and I don't think being able to accept credit cards has brought in that much in additional sales, much less profit. 

Growf.  It's only been two years since I started taking them (seems more like three).  My contract has a three-year term, with a $295 early-termination fee.  I was thinking it was two years, but the paperwork says three.  And the salescritter that assured me that insufficient sales to support the cost would be an adequate reason for early termination of the contract was apparently incorrect.  My bad for not getting it in writing.  At least I think I don't have that in writing, I do have to dig out my notes and double-check.  But I'm pretty sure it's only in my scribbled notes. 

The customer rep. I talked to did offer to take back my terminal in lieu of the early termination fee.  That's a possibility.

There is one possible out, which I need to the paper copies refer to my latest statements about - last year about this time I argued my way out of an extra $100/year fee for security hoo-ha.  If they try to push that one through again, I will be canceling, I was thiiis far from canceling over it last year (as in, I told them to cancel my account, and they managed to get me exempted so I wouldn't).