The central bank has sent a letter of soliciting opinions to the China Payment and Clearing Association, in which it inquired about the relevant rules and pricing of loan separation, which caused a heated discussion among netizens. If this opinion draft is implemented, what impact will it have on the development of credit cards? It is said on the Internet that some small businesses or merchants may refuse consumers to swipe their credit cards, and credit card points will be seriously reduced. Is it true?/You don't say. Why is this?

1. Credit card points may depreciate.

Not every kind of consumption can be scored. Generally speaking, credit card swiping at merchants with high fees will accumulate points, while credit card swiping at merchants with low fees will not accumulate points. Cancel the classification of rates according to merchant types, and implement uniform standards for service fees of card issuers and network services in various industries. So, will merchants with high fees cancel credit card points?

Professionals believe that the specific situation needs to be seen. In addition, credit card profits come from annual fees, handling fees and interest. The reduction of credit card fee will directly impact the profitability of bank credit card business and affect the income of bank credit card to some extent. Therefore, it is not ruled out that there will be some contraction in marketing preferential activities and points redemption gifts in the future.

2. Small businesses or businesses may refuse consumers to swipe their credit cards.

Many card friends said that if the loan is separated and the credit card handling fee rate is increased, the cost of credit card swiping will naturally increase, so will there be cases where merchants refuse to spend credit cards or pass on handling fees?

Professionals believe that for large enterprises, there will be no reactions such as price adjustment and transfer to consumers, and some small enterprises or businesses may refuse consumers to swipe their cards. In order to avoid handling fees, we should adopt some incentives to encourage consumers to settle in cash or use some online payment methods. Some sellers on Taobao. Com adopts the method of charging fees to consumers who use credit cards.

To sum up, in fact, the reduction of credit card fees may be far more than that of some small enterprises or merchants who may refuse consumers to use credit cards, and credit card points will be seriously shrunk, and credit records will be affected. There may be more influence in the future.