Credit card handling fee = handling fee rate of credit card amount. Different industries have different rates ranging from 0.5% to 4%.
Generally, the discount rate of the first type of merchants, including catering, hotels, entertainment, jewelry and gold ornaments, arts and crafts, is 2%-2.5%.
The second type of merchants, including real estate, automobile sales and wholesale, generally have a discount rate of 1%, and can apply for a single-comparison transaction cap.
The general discount rate of the third type of merchants, including gasoline and supermarkets, is 0.5%- 1%.
The fourth type of merchants, including public hospitals and public schools, generally have different discount rates in different regions.
The general discount rate for the fifth category of merchants including general categories is 1%-3%.
It should be noted that the credit card processing fee is charged by the bank to the credit card merchants, and the cardholder does not have to pay.
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1. Credit card withdrawal does not enjoy the interest-free period, and interest will be calculated at the daily interest rate of 0.5 ‰ from the date of withdrawal until it is paid off. Taking the repayment after 20 days as an example, when withdrawing 10000 yuan, the interest to be borne is 100000.05% 20 = 100 yuan, that is, the daily 5 yuan interest, totaling 100 yuan for 20 days.
In addition, there is a handling fee for cash withdrawal by credit card, and the charging standard of the handling fee varies from bank to bank, generally around 1%-3%. Taking the transaction behavior as an example, the withdrawal fee of credit card is 1%, and the withdrawal fee of 10000 yuan is 100 yuan. It cost 200 yuan in all. Everbright and Ping An have higher withdrawal fees, both of which are 2.5%. Then the withdrawal fee of 65,438+00,000 yuan is 250 yuan, which is the total fee of 350 yuan.
It is suggested that cardholders should not use credit cards to withdraw cash easily if there is no special need. Even if there is a demand for cash withdrawal, you should choose some special cards with relatively cheap cash withdrawal fees, such as the Y-POWER credit card of Bank of Communications for RMB cash withdrawal, and the handling fee for each card is RMB 5 yuan. However, repayment should be made as soon as possible after withdrawal.
Credit card processing fee
Credit card charges mainly depend on the place of consumption and POS machines. Generally, the fee rate for swiping cards is 0.6%, but it is 0.38% for preferential merchants and 0.38% for smart POS machines, such as China UnionPay Express. Zero rate for public welfare places.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
How to calculate the handling fee for swiping a credit card?
The handling fee for swiping a credit card is 1%-2.5% paid by the merchant to UnionPay, and no personal responsibility is required. It is illegal for merchants to let consumers bear the handling fees themselves. If the merchant asks the consumer to pay the handling fee himself, the consumer can refuse and complain to the UnionPay customer service center.
For POS merchants, the transaction fee of UnionPay card will be deducted for each transaction; For general supermarkets, 0.38% will be deducted; For general merchants, 0.78% will be deducted; Jewelry, catering and entertainment business, deducting1.25%; And for merchants in the wholesale market, 0.78% will be deducted, regardless of credit cards and debit cards. It is the same standard.
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Precautions for credit card use:
Don't be too early: try not to swipe your card before 9: 00 am, because according to common sense, most shops are not open yet.
Don't be too late: 1 1 Try not to swipe your card in the evening, because according to common sense, most shops are closed and online transactions are not affected by time.
Don't brush integers: don't brush integers such as 10000, 5000, etc., and try not to use decimal points every time you swipe your card. The amount of swiping your card should not be repeated or regular.