When using a credit card, the cardholder does not have to pay any handling fee, but the merchant may have to pay a certain handling fee. For example, the price of the merchant is 100 yuan, and if the user needs to be charged a handling fee, the actual payment amount will exceed 100 yuan.

But the user only needs to pay the actual consumption amount. Different types of businesses pay different fees and can be divided into standard categories (such as catering, entertainment, hotels, etc.). , the rate is 0.6%), preferential categories (such as supermarkets, gas stations, etc. , the rate is 0.38%) and public welfare (such as charities, schools, hospitals, etc. The rate is 0).

Credit card priority deduction balance or limit?

When making credit card consumption, the balance in the credit card will be used for payment first, and then the credit limit will be deducted. If the credit card has a balance, the system will automatically use the balance to pay the consumption amount. When the balance is insufficient to pay the full amount, the remaining amount will be deducted from the credit card limit.