For example, if you buy a ticket and swipe your card at the ticket center, the corresponding rate is 0.38 POS machine. Every 10000 yuan can generate 38 yuan handling fee, which is 70% for issuers, 20% for POS agents and 0/0% for unionpay/kloc. In other words, the issuing bank can charge a handling fee of 26.6 yuan (the key point is that most big banks only give points for 0.78 and 1.25 consumption). However, if your online consumption can only generate 0. 1 handling fee, that is, 10000 yuan 10 yuan, the issuing bank can only accept 7 yuan, and the bank will either give you points without making money or trade at a loss.