Every credit card payment that I make to a government agency (that I can think of off the top of my head) passes the surcharge along to me. (City taxes, county taxes, state medical licenses.) Paying 3.5% on a bill for thousands of dollars is a lot of money.
(I can often find a legit way to avoid it. Handwritten check still accepted at county office. Online state medical license will accept electronic check for a processing fee of $0.75.)
I've been fighting the driver big time lately and had my worst round of the year yesterday 75 (+3). Came out today and after a couple poor drives I finally found something and played really well. Shot 67 (-5). Bogeyed the last two holes though dang it! Just lost concentration.
The course I play most has some nice changes also. One hole is a solid 45 ft higher than the fairway. Which, by the way is sloped left to right so 9 times out of 10 you have a below your feet second shot into that green. Then add to the guessing game with the times you don’t get the ball in the air like you want and it lands on the hill leading up to the green and possibly rolls back a good 10-15 yards. Ugh.