In supermarkets, shopping malls and other ordinary credit card machines, you can use credit cards for credit card consumption, and there is no handling fee for credit card consumption, that is to say, the money in your card will not be deducted.
When swiping a credit card, you need to enter the correct password to pay, and signing is to write your own name. You don't need to enter a password to swipe your card with your signature. You need to apply at the bank counter. Password payment is more secure. If you accidentally lose your card, others can't pay without a password.
Extended data
On September 6th, the Notice on Improving the Pricing Mechanism of Credit Card Fees (hereinafter referred to as the Notice) jointly issued by the National Development and Reform Commission and the People's Bank of China was officially implemented.
Among them, the rates of restaurants and department stores have been significantly reduced, and some citizens are eager for businesses to "rebate" consumers. However, because the new regulations adopt different charging standards for debit cards and credit cards, and there is no upper limit for the single charge of credit cards, many citizens are also worried that they will be rejected or even charged a handling fee when spending in large quantities.
In this regard, some insiders said that it is obviously illegal for merchants to pass on the credit card processing fee to consumers, and cardholders can complain. At present, the card swiping fee is mainly composed of the card issuer's service fee, the network service fee charged by the bank card clearing institution and the acquiring service fee charged by the acquiring institution.
The "Notice" shows that the service fees charged by card issuers will be changed to not distinguish between merchant categories, implement government-guided price and upper limit management, and charge debit cards and credit cards (credit cards) differently.
The service fee rate of the issuing bank is adjusted to 0.35% of the transaction amount for debit card transactions and 0.45% for credit card transactions. The single charge amount for debit card transactions shall not exceed 13 yuan, and the single charge capping control shall not be implemented for credit card transactions.
Among them, the transaction service fees and network service fees of merchants in catering and other industries will be lowered by 53%-63% respectively, and the department stores and other industries will be lowered by 23%-39%.
At the same time, the network service fee charged by the bank card clearing institution will be reduced to no more than 0.065% of the transaction amount, and the amount charged for a single transaction will not exceed that of 6.5 yuan. In addition, for non-profit medical institutions, educational institutions, social welfare institutions, old-age care institutions and charities, card-issuing bank service fees and network service fees will be fully reduced.
According to preliminary estimates, all kinds of merchants can reduce their spending on credit card fees by about 7.4 billion yuan each year. Relevant persons in charge of the National Development and Reform Commission and the People's Bank of China told reporters that this national policy adjustment has greatly reduced the rate level as a whole, which is conducive to reducing the operating costs of merchants and improving the operating environment.
"It's really good. Nearly 70% of our customers now use credit cards. Now the department store bank card processing fee is reduced by 23% to 39%, which can really save a lot of money. " The relevant person in charge of a well-known department store in Guangzhou told the reporter. According to a rough estimate of the department store's operating income of more than 2.8 billion yuan last year, the new bank credit card handling fee rate will save businesses tens of millions of yuan.
"Now the burden on enterprises is very heavy, especially the expenses such as labor costs are increasing, and profits are also declining. Being able to save these expenses is really reducing the burden on enterprises. " A person in charge of a department store said that in order to enhance competitiveness, more resources will be used to increase sales promotion.
Previously, the supermarket credit card processing fee was 0.38%. According to the new regulations, the service fee rate of the issuing bank is adjusted to 0.35% for debit card transactions and 0.45% for credit card transactions.
"That is to say, if consumers use credit cards in supermarkets, the handling fee will increase slightly, but the use of debit cards will drop by 0.03%." The relevant person in charge of CR Vanguard told the reporter that many consumers like to pay by Alipay and WeChat now, and each purchase in the supermarket is not big, so the merchants will not increase the burden on consumers.
"We haven't seen the specific impact. If we can bring more savings by lowering the bank card rate, we will definitely use it to increase sales promotion. " The relevant person in charge of many large supermarkets in Guangzhou said so.
The relevant person in charge of Guangzhou Restaurant said that it is a good thing for the industry. "In fact, there are many banks involved in the business. Different banks charge different fees and lower interest rates. For us, the rate of credit card itself is not much, which has little impact on Guangzhou restaurants and can not save much money. But for the food and beverage industry, the decline in rates is definitely a good thing. "
The relevant person in charge of grandma's family also holds the same view: "We definitely welcome the policy of reducing the handling fee rate. However, after all, the gross profit of the catering industry is ok, and the proportion of credit card fees to turnover is not high. " ?
Reference: Xinhuanet? Consumers have to pay a handling fee to swipe their credit cards.