In fact, there is a handling fee, which is only charged to the merchants. There are two ways to collect, one is to collect by percentage, and the other is to collect by pen. In the case you mentioned, the merchant should pay by the pen, a 50 yuan.

Merchants ask you to swipe your card because they don't want to pay the bank 50 yuan more, so they want you to pay this handling fee.

It is illegal for merchants to pass on the handling fee of credit card transactions to consumers.

According to Article 2 of the Measures for Income Distribution of Bank Card Inter-bank Transactions of China UnionPay Network Access Institutions, the settlement fee for POS inter-bank transactions merchants is:

The distribution of merchant settlement fees for cross-bank POS transactions involves issuers, acquiring institutions that provide POS machines (collectively referred to as acquiring institutions) and China UnionPay that provides cross-bank information transmission.

The income distribution of merchant settlement fees for POS inter-bank transactions adopts the method of fixed income of the issuing bank and network service fee of UnionPay, that is, each merchant settlement fee, fixed income obtained by the issuing bank and network service fee charged by UnionPay shall be implemented according to the following standards:

1. For hotels, restaurants, entertainment, jewellery, handicrafts and other businesses, the fixed income of the issuing bank is 65438+ 0.4% of the transaction amount, and the standard of UnionPay network service fee is 0.2% of the transaction amount.

2. For general merchants, the fixed income of the issuing bank is 0.7% of the transaction amount, and the standard of UnionPay network service fee is 0.65438+ 0% of the transaction amount.

3. On the basis of the above 2, at this stage, appropriate preferential treatment can be given to the following special industries or merchants by reducing the income ratio of issuing banks and the standard of UnionPay network service fees:

(1) For real estate and automobile sales merchants, the fixed income of the issuing bank and the UnionPay network service fee are charged according to the methods and standards of ordinary merchants, but the highest income of the issuing bank does not exceed that of 40 yuan, and the highest UnionPay network service fee does not exceed that of 5 yuan.

For wholesale merchants, the issuer's fixed income and UnionPay network service fee are charged according to the methods and standards of ordinary merchants, but each income of the issuer does not exceed 16 yuan, and the UnionPay network service fee does not exceed 2 yuan.

2. For+++,gas stations, supermarkets and other types of merchants, the fixed income of the issuing bank and the UnionPay network service fee are charged by half compared with ordinary merchants, that is, the fixed income of the issuing bank is 0.35% of the transaction amount, and the UnionPay network service fee standard is 0.05% of the transaction amount.

3. For public hospitals and public schools, the issuing bank and UnionPay will not participate in the income distribution for the time being.

Extended data:

However, in practice, the handling fees generated by buying a car by swiping a credit card are basically paid by consumers.

I would like to remind you that in order to avoid unnecessary troubles, consumers must consult the car dealers clearly before placing an order, and write down the relevant agreements in the contract. Car dealers also have the obligation to inform consumers. What kind of payment method should be adopted, what fees should be paid and where these fees come from should be informed to consumers in advance, so that consumers can judge whether to accept them or not.

Across the country, UnionPay cards are used for credit card consumption, and cardholders do not charge any handling fees regardless of different places. After credit card consumption, the settlement parties are banks and merchants. According to the relevant agreement when installing the credit card machine, the merchant has to pay a certain percentage of the handling fee to the bank, and the customer does not have to bear any handling fee when swiping the card.

Is there a handling fee for buying a car and swiping it?

Yes Users use credit cards to buy cars. This handling fee is borne by the 4S store, and the handling fee will be charged at 0.6% of the credit card amount. However, because the car payment is at least 10,000 yuan, the handling fee will increase the cost of the merchant by several hundred yuan, so most 4S stores do not support users to pay by credit card. At this time, users can only pay by debit card.

If the down payment is paid in one lump sum, the installment fee will be deducted in one lump sum on the first billing date and enter the revolving credit line of the account. If you choose to pay by installments, the installment fee will be calculated according to the current installment principal deduction amount and the set rate, and the fee will be recorded in each installment. For the handling fee, it is a small sum of money and can be discussed with the staff. Generally, when we buy a car, we will choose the form of loan, that is, we will pay a part of the down payment first, and then let the staff of the auto shop help us with the rest. Then we need to provide our ID card and our personal credit report, and then ask the staff to help us get a loan from the bank.

Then, after the loan is successful, we need to apply for a bank card, and then we only need to input the amount to be repaid into the bank card every month. This is very convenient and quick, and it is also something that young people often do now. Because we all use money to do other things, such as investing in financial management or investing in our own business. Generally, our cash in hand is limited, so when buying a car or a house, we will choose to lend.

There will also be corresponding handling fees and interest when lending, because banks make money by this, so this is a matter of course, and we have to understand that every industry has to make money. Just as we ordinary people make money by working, enterprises also need to make money by selling products. Every industry has its own rules, which we should strictly abide by. You can't just think about whether you are profitable or not, so no one will agree with you.

Who will bear the handling fee for buying a car with a credit card? You'll know after reading it

As we all know, buying a car by swiping a credit card belongs to personal consumption and conforms to the bank's regulations on the use of credit cards. However, there will be a handling fee for swiping a credit card, and it has been controversial who will bear this fee. Today we will talk about it.

1. Who will bear the handling fee for buying a car with a credit card?

Credit card swiping usually refers to swiping POS machines, and the handling fee rate of POS machines is actually borne by merchants according to regulations, that is, after customers swipe their cards, UnionPay will deduct the handling fee from the percentage of the transaction amount in the swiping amount at the time of settlement, and then transfer the remaining money to the merchant's account, so it is also the same for swiping credit cards in 4S stores to buy a car.

However, since the fee reform in 1996, many 4S stores are unwilling to bear the handling fee. After all, before the fee change, the credit card handling fee can be capped. No matter how much money is spent, the highest single processing fee will not exceed that of 40 yuan, and there will be no great pressure on the 4S shop to bear the processing fee.

2. What is the handling fee for buying a car by credit card?

After the fee changes, the credit card charges will be cancelled. If the charging standard is above, there will be 60 yuan's handling fee for every 10,000 yuan, and the specific handling fee will be determined according to the credit card amount.

It costs at least tens of thousands to buy a car. If the 4S shop bears the handling fee for swiping a credit card, the cost of each transaction will increase by at least several hundred yuan. Hundreds of customers may not read it, but for 4S stores, the handling fee is not small for everyone to swipe a credit card.

This is why many 4S stores are reluctant to let customers buy cars with credit cards. If customers just want to swipe their credit cards, 4S stores will not stop them, but they will ask customers to bear the credit card handling fee themselves. If they can't afford it, they can only use a debit card.

Is there a handling fee for buying a car with China Merchants Credit Card?

If you use a credit card, there is no handling fee. 4 son's shop, they have to pay a handling fee of 0.6%, which is 1 10,000 60 yuan. Debit card brush? I don't know what you mean. Is this different from giving cash?

Is there a handling fee for buying a car and swiping a credit card?

If you want to buy a car and use a credit card, you can use the credit card to buy a car in installments. Cardholders can apply for a credit line of 200,000-200,000 in installments, which can be divided into 12.24.36 installments. The installment fee should be specific to the bank, because the car installment fee is different from bank to bank.

Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Second, according to the relevant laws of our country (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards), credit cards refer to electronic payment cards issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, The Standard of English Translation and Writing in Public Service Field was formally implemented.

3. 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.

Four. app; application

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.

Five, the application method is generally by filling in the credit card application form, the contents of the application form generally include 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.

Six, the application form is attached with a credit card contract, and the applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit a statement of the authenticity of the information and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Is there a handling fee for buying a car and swiping a credit card?

There is a handling fee for buying a car and swiping a credit card. Credit cards are also called debit cards. It is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Product category

1. According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

2. According to different card issuers, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

3. According to the credit status of the cardholder, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

This is the end of the introduction of car purchase fee and car credit card fee. I wonder if you have found the information you need?