1, credit card consumption by stages. Some goods can be paid by credit card in installments. When a cardholder swipes a card with a credit card, he chooses to pay by installment, which will generate a fee, and the amount of the fee will generally be displayed on the payment page.
The credit card bill is paid by installment. Some users will find it difficult to pay back the money after spending with credit cards. In order to relieve their pressure, credit card users will choose to repay in installments after the bill date and before the repayment date. There is a charge for credit card installment repayment. Different banks, different installment cycles and installment fee rates are different.
3. Withdraw money by credit card. Credit cards not only have the ability to overdraw consumption in advance, but also have the ability to withdraw cash. When cardholders face cash flow difficulties, the simplest way to borrow money is to withdraw cash by credit card. Cash withdrawal by credit card will be charged a certain percentage of the cash withdrawal amount. Credit card withdrawal fees in different banks are also different. In addition, interest will be charged on the withdrawal amount.
4. Reissue fee: There is also a fee for reissuing a credit card, which will be charged appropriately according to the type of card and the type of bank.
What is the charge standard for credit card handling fees?
The specific calculation formula of credit card charge is: credit card charge = charge rate × charge amount.
Usually, the merchant will pay a fee to the bank or a third-party institution, that is, deduct it from the credit card amount swiped by the user, and the rest is the actual income of the merchant. Of course, some businesses are unwilling to pay these fees, so they refuse to swipe their cards unless customers take the initiative to pay the handling fee.