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Beware before you 'charge it'

The cost of shopping is on the rise across the U.S. for people who use credit cards. While it will hit Texans less than others, it could still affect your bottom line.

Credit card companies have always made some of their money charging retailers a 'swipe-fee': a percentage of each sale made with a credit card.

A settlement between businesses and card companies now allows that transaction fee to be passed-on to consumers. It can range from 1.5 percent to 4 percent of the total sale.

Texas is one of ten states that prohibit surcharges on credit card sales, but consumers who travel or shop online could face the added cost.

Online shopper, Lisa Getty says, "I get online , really, to look for deals and if there's a sale: no shipping; percentages off, and that would definitely make an impact."

So far, many major retailers have vowed not to pass-on the credit card transaction fee but small businesses may feel pressure to recoup those costs.