I think charging £12.95 to use a credit card is rediculous. I can accept a minimal charge, upto, say, £4 or so, but anything more than that is a rip off!
Agree with PAXboy, like to see all the cost showing up front and not have all the "extras" like luggage added afterwards. Taking FlyBE as a good example, price of ticket £23.99, then tax, then luggage. Just gives me the feeling of being ripped off as I cant get that flight for £23.99.
BA have it right, price you see includes flight, tax and luggage.