Credit card cashing refers to the behavior that the cardholder withdraws the funds in the credit limit of the card in cash by other means rather than through normal legal procedures (ATM or counter), and at the same time does not pay the bank withdrawal fee.
As for the increasingly fierce credit card cashing behavior in recent years, the Shanghai headquarters of the central bank said on July 26th, 2065438+00 that credit card cashing is illegal, and the central bank is studying to record the cardholder's cashing behavior in the personal credit information system, which will directly affect his personal credit record.
It is not allowed for banks to swipe their credit cards with their own pos machines, but due to regulatory loopholes, if the number of times is less (less than 3 times) and the amount is less than 10000 yuan, banks may not pursue it. At this time, cashing is also a handling fee of more than 0.5%.
At present, many banks' cash installments are lower than this fee. So cashing out is not cost-effective.
If you use a platinum card for cash installment, you can get a discount, generally within 0.69%. The following is a case of Guangfa Bank's wealth management (also called cash installment).
The application for 35,000 yuan is as follows:
12 period: 0.56%, each period is still 3 1 12.67, and the total handling fee is 2352, and the handling fee is 196.
18 period: 0.63%, with a total handling fee of 3,969 and a handling fee of 220.5 per period.
24 installments: 0.66%, and each installment is still 1698.33, with a total handling fee of 5544 and a handling fee of 23 1.
The application for 30,000 yuan is as follows:
12 installment: 0.56%, 2668 for each installment, and the total handling fee is 20 16, and the handling fee for each installment is 168.
18: 0.63%, each issue 1855.66, and the total handling fee is 3402, each issue 189.
24 installments: 0.66%, and each installment is still 1448, with a total handling fee of 4752 and handling fee of 198.
Pos machines are suitable for large and medium-sized supermarkets, chain stores, hypermarkets, large and medium-sized hotels and all high-level retail enterprises.
1. has the function of IC card, and can use membership card to issue IC cards and securities internally.
2. You can talk.
3. A variety of peripherals such as scanning guns and printers can be externally connected.
4. It has the management functions of front-end and back-end sales, warehousing, distribution and other large supermarket chains.
5. The catering type has the catering service function, and can be externally connected with multiple kitchen printers, hand-held ordering machines and other peripherals.
6. It can realize unattended remote communication and data download with PC.
7. With the function of Ethernet communication, the real-time management system of the head office and branch network is formed through ADSL broadband.
Domestic Internet innovative third-party payment enterprises have integrated the electronic signature application with the POS card swiping system to realize the green and environmentally-friendly paperless POS receipt service. The application of electronic signature can not only effectively save time, money and paper, but also help to improve service efficiency and customer satisfaction, simplify business processes and improve work efficiency.
Through the electronic signature application provided by payment, there is no need to upload the receipt, which not only avoids the extra workload, but also avoids the loss of the authenticity of the transaction and the settlement for the merchant caused by the loss of the receipt. There are a series of digital "anti-counterfeiting" behind the electronic signature of payment, which can prevent the cardholder's signature from being stolen or tampered with.
The advantages of mobile phone POS machine are as follows:
1. For businessmen
Computer recording and management of every link in the process of customer management improves work efficiency and realizes optimal management. Provide a convenient payment system without space and time barriers for its own business development, speed up payment efficiency, reduce operating costs and lower the consumption threshold of target users.
2. For consumers
Payment funds are more convenient to carry and the consumption process is more convenient and simple. After the payment barriers are removed, many new consumption patterns can be better tried. Under the control of proper management mechanism and technology, the security of payment funds has been greatly improved compared with traditional POS machines.