High interest debt.

I don't allow them because of the fraud people commit with them. Paypal is much easier.

The first word that comes to my head when i think credit card is: NO!

I would prefer to borrow money from family and friends if i needed it. I've seen some people have very very bad lives due to credit card debt.

So when rates go up on Feb 1st, will your opinions remain the same?

Cash and oportunities as long as it is used carefully

Ehh, Credit Cards are great for the buyers of course...but sellers not so much. The Credit Card fees can be rather hefty, and they can eat up narrow profit margins in a hurry, which means that you would either have to start charging more, or just not accept Credit Cards. You will lost a fair amount of customers by not accepting it though...