As a consumer i would say that it is worth it for you to take credit cards.

I have used them almost exclusively since I had a whole lot of trouble with a carpet installer I had in my house several years ago. It was a nightmare experience that i won't go into but ultimately i was able to reverse the charge on my CC until the job was done to my satisfaction. Prior to doing so I could not get him to answer my calls after he left the job 3/4 done. One he was out $1100 he was at my house 2 days later.