Published: Jul 24, 2012 10:48 PM EDT
Updated: Jul 24, 2012 11:59 PM EDT

NAPLES, Fla - Big stores and customers are on the same side fighting against proposed new rules that allow stores to charge you more to use your credit card.

It could happen soon. A pending settlement between credit card companies and retailers would allow stores to charge you an extra fee for using your credit or debit card.

The dilemma is, should retailers charge customers that extra fee to save their company money or opt out, in fear customers will take their money somewhere else if they don't.

Now, two of the world's largest retailers are coming out against the idea. Tuesday Walmart and last Friday Target said they will not charge a fee. Target, came out first, saying the proposed settlement is bad for both retailers and consumers.

"These people are big enough they can absorb the cost. They don't need to pass them along to us small folks," says Jeannette Provance of Naples.

In a statement, Target says, "Target has no interest in surcharging guests who use credit and debit cards in order to allow VISA and MasterCard to continue charging unfair fees."

Tuesday, the world's largest retailer, Walmart, followed targets lead announcing they too would not put the additional cost on its customers. In a statement, Walmart says, "Walmart is disappointed in the proposed credit card interchange fee settlement ... We encourage all merchants to put consumers first and reject the settlement."

"In this economic climate, it seems like the right thing to do is not raise any prices for the customers," says Michell Kasoff of Naples.

Keith Wallace adds, "I think in the long run it will make sense for everyone to do the same thing. It will force those people who are not following suit to jump on board."

Walmart is urging other stores to reject the proposed $6 billion settlement with VISA and MasterCard. The credit card companies and other major banks have agreed to pay retailers for alleged "fee fixing," but under the settlement, stores could then charge you more if you use plastic.

WINK News asked consumers if that surcharge would ultimately determine where they shop.

Wallace says, "yes, if I shopped at a place I liked and next thing you know they start charging an additional fee on a credit card."

"If I have a choice between Walmart or CVS or somewhere else, I'm going to go where they don't charge," says Provance.

Walmart and Target are not parties in the suit, but can formally opt out of the class settlement and if enough retailers opt out, it could derail the entire deal.