Nice language, dude! The credit card companies, at least here, charged a fixed percentage regardless of the sum. That's why you logic is all wrong, the cost for the merchant is the same (relatively) for a 10 cent purchase as it is for a 100€ purchase. On the contrary, handling cash is way more expensive.
I once tried to by a car with plastic, but was refused because the transaction fee would have been enormous.
And no, I'm not a immigrant, and yes, I have loads of sisu.