Cash, check, or credit?It's a common question asked in the checkout line.More and more consumers are going the road of plastic, but as News 12's Erick Lind reports, that may cost shoppers more in the future.American shoppers make millions of purchases every day...Many of those are paid with a credit or debit card.But if a bill making its way through congress is passed, each swipe of the card could cost you more.The House and Senate both have bills in committee looking at reducing the interchange fees to merchants.Minnesota Valley Federal Credit Union President Nick Meyer says credit card companies are an easy target because of past court decisions, and because getting rid of the credit card fees would increase profit margins for businesses.Meyer says, "There has really been a number of years of history where merchants were trying to legislatively in the courts limit Visa, Master Card, American Express, and Discover as to how much interchange income they could get because that reduces their profits a little bit."But abolishing fees for retailers could prompt the processing companies to look elsewhere to make up the difference... including consumers.That' something many customers don't like the sound of.Cindi Bung says, "I would be very disappointed and it would make me a little mad too."Consumer Jessica Linde says, "I think I'd be pretty upset. I think it's a convenience thing and we have our cards through our banks and we shouldn't have to pay the fee."Meyer says consumers won't necessarily see the direct effects at the cash register, but the costs may show up at banks in ways members haven't seen for some time.Meyer says, "That would perhaps someday mean that free checking wouldn't be quite as accessible or that there could be an annual fee to carry a credit card or just to carry a debit card there could be a per transaction fee someday."Meyer says the credit unions and small banks won't want to make those changes, but since debit and credit cards are barely a break-even endeavor right now, any additional costs from card processors could make it necessary.In Mankato, Erick Lind, News 12.