This issue must first be explained in terms of rates. Generally, the standard merchant fee is 0.6, the preferential merchant fee is 0.38, and the QR code transaction fee is all 0.38.

When we usually swipe our cards, the general rate is divided between your card issuing bank, China UnionPay, and the payment company (acquirer).

If you scan the QR code, it is usually WeChat or Alipay. In addition to the above three companies, WeChat and Alipay also need to divide it up. Therefore, through QR code scanning transactions, the bank's profits are simply very small.

Therefore, on the one hand, the bank hopes that users will use credit cards to make purchases so that they can get the corresponding share. On the other hand, they hope that users can use credit cards in a way that can make the bank more profitable.

For example, when you swipe your card to make a purchase at a standard merchant and the amount is greater than 1,000 yuan. Because the amount less than 1,000 yuan is settled at a quick payment rate of 0.38.

So if you use QR code scanning for a long time, it will definitely not be conducive to increasing the credit card limit.