1 credit card car purchase transaction adjustment
After September 6th, if the owner purchases or maintains the car in the 4S shop, if he swipes a debit card (not a credit card), he will still be charged a handling fee according to the previous rules. The discount rate of UnionPay (0.45%~0.5%) will be calculated from 20 yuan to 25 yuan. However, if you use a credit card, it's very different. The handling fee will be deducted at the rate of 0.6%, and there is no upper limit for the handling fee.
The 0.6% handling fee seems a bit unremarkable, but if you count it with Bian Xiao, you will immediately understand how hurtful this 0.6% handling fee is.
2 For car owners, whether they buy 654.38+10,000 cars, 500,000 cars, 1 10,000 cars or even 2 million cars before September 6, the handling fee is the highest in 25 yuan, which is not a big problem for wage earners, successful people or 4S shops in 25 yuan. Therefore, under normal circumstances, 4S stores will automatically "please" the owners.
However, after September 6th, after the implementation of the new policy, if car owners go to a 4S shop to buy a car, whether they buy a car of 6,543.8+million, 500,000, 6,543.8+million or even 2 million, or the maximum handling fee is within 25 yuan, they will all pay by debit card (not credit card). However, with the continuous updating of technology, consumers now like to use credit cards to shop, so the handling fee at this time is not as simple as that in 25 yuan. After the implementation of the New Deal, if the owner buys a car for 6,543,800 yuan, then the handling fee will be given to 600 yuan; Buy a 500,000 car with a handling fee of 3,000 yuan; Buy 1 10,000 yuan, and the handling fee is 6,000 yuan; The expenses in 600 yuan, 3,000 yuan and 6,000 yuan are totally different from those in 25 yuan. 4S stores have to survive and live, and it is impossible to pay such a high handling fee to car owners for no reason. Then at this time, the owner can only silently pay for this high handling fee. For a 4S shop, one or two handling fees have no influence on the operation of a 4S shop, but as the saying goes, "Every little makes a mickle, and dripping water wears away the stone", but in the long run, this humble handling fee will become a high cost. For this increasingly competitive national 4S store, this is undoubtedly worse. Therefore, if 4S stores want to survive, after the implementation of the New Deal, the high handling fees generated by swiping cards will undoubtedly be borne by the owners themselves.
No matter for the owner or the 4S shop, the expenses incurred by the owner in maintaining the car in the 4S shop will not have much impact. After all, in the current fierce competition among dealers, in addition to small profits but quick turnover and factory rebate subsidies, dealers expect customers to return to the store for after-sales maintenance and insurance, which has become their way of making profits, which is quite different from the past. It is precisely because of the sharp decline in the profit of new car sales that strengthening the after-sales field has become the key development direction of dealer transformation, and the after-sales maintenance income has also become the core income source of 4S stores.
In order to retain consumers, after the implementation of the New Deal, if the owner goes to 4S for maintenance, whether it is a debit card or a credit card, after weighing the interests, the 4S shop will help the owner to avoid this fee. After all, if it is less than 3,500 yuan, the cost of swiping a credit card is 2 1 yuan, which can complete general vehicle maintenance. 5 abstract
If you want to buy a car with a credit card after September 6, you can communicate with the 4S shop first, who will pay the bill.
(This article is from the Internet)