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>My car garage not doing credit-card payment for god knows why reason.

Tax evasion, avoiding deal with chargebacks, and not having to pay merchant account fees. However, those fees are nearly zero for debit card accounts, and chargebacks are pretty much non existent with Chip + Pin (or Apple Pay or EMV), so I would most likely guess tax evasion. I've been to many restaurants that offer 10% discounts for cash payments, versus card, which works perfectly as they get a portion of the sale on the record for plausible deniability, and a portion off the record.

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