IMO, bigger [prices] is (gramatically, it's "are" ) not always better.
Bigger only means better if we're talking dollar bills and paychecks...
I have purchased many things generic that I liked just as well as or better than the national brand, so it's saved me a lot of money.
As far as hair cuts... I used to go to a private salon for my wild haircut--and I had the best [wild] haircuts around for only 17 bucks, when everyone else was charging 30... so even haircuts can be just as good or better despite being cheaper.
I say go, save money; love it!!
(PS... I think you're onto something with the credit card thing--my DH and I go to a fantabulous restaurant and eat for so cheap. A fillet mignon with soup, salad, and bread, veggie and peirogies is only 14.95.

They don't take credit cards or checks, either).