If you swipe your card directly on the POS machine, it will be charged at the standard rate of 0.6%. The rate of third-party POS machines will be higher, and a single service fee will be charged, regardless of the rate.

1. Credit card fees vary. The handling fee of credit card is generally borne by the merchant, but sometimes it may be larger. The charge will be deducted from the consumer's credit card. The rest is the amount actually received by the merchants, and some merchants are reluctant to let consumers use credit cards. Because if users want to use credit cards, they have to bear the cost. Credit cards have two main functions, one is to spend by swiping the card, and the other is to withdraw cash. The expenses incurred in different situations are different. If the cardholder directly uses the credit card to spend 10000 yuan, the cardholder will not charge the service fee.

2. As long as the user repays on time within the specified repayment period, the cardholder can enjoy the interest-free period without paying any interest and service fees. If the cardholder can't repay in full within the specified time, in order to avoid installment payment, the user can choose to pay by installment or repay the specified minimum amount. Installment requires a handling fee, which varies according to the cut-off fee. If the user chooses the minimum repayment amount, interest will be charged at the daily interest rate of 0.05%, and the minimum repayment amount will be compounded monthly until the cardholder pays off the balance.

3. Minimum repayment amount of credit card = consumption within the credit line × 10% cash transaction amount in advance × 100% unpaid part of the last minimum repayment amount × 100% extra consumption within the credit line × 100% all expenses and interest. If the cardholder uses a credit card to withdraw cash, a handling fee will be charged according to the percentage of the cash withdrawal amount. Different banks charge different fees. For example, China Everbright Bank, Agricultural Bank of China and Bank of Communications charge a withdrawal fee of 2.5%, which is generally 1%-3% of the withdrawal amount, that is 1 10,000 yuan. The commission is about 100-300 yuan.

In addition to the handling fee, there is a daily interest of five ten thousandths. Although the cardholder does not need to pay the handling fee when using the credit card within the prescribed repayment period, the bank will charge the merchant's handling fee, and different types of merchants will charge the credit card handling fee. If ordinary merchants use credit cards to spend money, the rate is usually 0.6%, that is, if they use credit cards to spend 10000 yuan, banks can charge merchants a 60 yuan handling fee. Please consult the bank for details.

How to calculate the charge for credit card swiping?

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.

Extended data:

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.

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.

Extended data:

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.