Credit cards can be swiped in supermarkets.

In supermarkets, shopping malls and other ordinary credit card machines, you can use a credit card to spend money, and there is no charge for spending money by credit card, that is to say, the money in your card will not be deducted.

when you swipe a credit card, you need to enter the correct password to pay. By signing, you write your name. You don't need to enter a password when you swipe your card with your signature. You need to apply at the bank counter. Password payment is safer. If you accidentally lose your card, others can't pay without a password.

Extended information

On September 6th, the Notice on Improving the Pricing Mechanism of Credit Card Handling 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 catering and department stores have obviously decreased, and some citizens are eager for businesses to "rebate" consumers. However, because the new regulations adopt different charges 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 a violation for merchants to pass on the credit card processing fee to consumers, and cardholders can complain. At present, the card swiping fee for bank cards 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.

According to the Notice, the service fees charged by card issuers will be changed to not distinguish between merchants, and the government-guided price and upper limit management will be implemented, and debit cards and credit cards (credit cards) will be charged differently.

the service charge rate level of the issuing bank is adjusted to .35% of the transaction amount for debit card transactions and .45% for credit card transactions. The single charge amount of 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 rates of service fees of credit card and debit card issuers and network services for businesses in catering and other industries will be reduced by 53%-63% respectively, while those in department stores and other industries will be reduced by 23%-39%.

at the same time, the network service fee rate charged by the bank card clearing institution is reduced to no more than .65% of the transaction amount, and the charge amount of a single transaction does not exceed that of 6.5 yuan. In addition, for non-profit medical institutions, educational institutions, social welfare institutions, pension institutions and charities, the card-issuing bank service fees and network service fees will be fully reduced.

according to preliminary calculation, all kinds of merchants can reduce the expenses of credit card processing fees by about 7.4 billion yuan every year. The relevant person 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 7% of our customers now spend money by credit card. Now, the card processing fee for department stores is reduced by 23% to 39%, which can really save a lot of money." A relevant person in charge of a well-known department store in Guangzhou told reporters. According to the department store's operating income of more than 2.8 billion yuan last year, the reporter roughly estimated that the new bank credit card handling fee rate will save the merchant tens of millions of yuan.

"At present, the burden of enterprises is very heavy, especially the expenses such as labor costs are increasing and profits are declining. Saving 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.

before, the supermarket credit card processing fee was .38%. According to the new regulations, the service fee rate level of the issuing bank was adjusted to .35% of the transaction amount for debit card transactions and .45% for credit card transactions.

"That is to say, if consumers use credit cards to spend money in the supermarket, the handling fee will increase slightly, but if they use debit cards, it will decrease by .3%." The relevant person in charge of CR Vanguard told the reporter that many consumers like to use Alipay and WeChat to pay now, and the consumption of each order in the supermarket is not large, so the merchants will not increase the burden on consumers.

"We haven't seen the specific impact yet. If we can bring more savings through the downward adjustment of bank card charging rate, we will definitely use it to increase sales promotion." The relevant person in charge of a number of 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 business at ordinary times, and different banks charge different fees and reduce their rates. For us, the rate generated by swiping the card itself is not much, which has little impact on Guangzhou restaurants and saves not much money. But for the catering and food 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 lowering 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 the handling fee themselves when swiping credit cards