If you use a credit card to pay your S&S bill and use your S&S card to play the slots you can debit your card to get more cash for the slot machine you are playing,there will not be a 3% charge and it will show up on your S&S bill as entertainment.But if you play the tables and use it to get cash,you will be charged the 3%.A word of caution,if you do use your S&S card to fund your slot machine be careful because you can easily spend alot more money than you wanted.