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'You'll need to buy something else' On the other hand, minimums can also make it inconvenient for cashless shoppers, who'll have to buy more than they intended."From a consumer impact, I hate it," says Linda Sherry, director of national priorities for Consumer Action, a San Francisco-based national consumer education and advocacy group.

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You step up to the counter with a couple of small items and your credit card.

Then you see the sign, often handwritten and taped to the register: "$10 minimum for credit card transactions." It's a familiar scene to consumers, especially those who frequent mom-and-pop stores.

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New rules: up to $10 minimum OK The law says that merchants can set a credit card minimum purchase of up to $10, as long as they treat all cards the same.