Can I use a credit card when shopping in the supermarket?

You can use a credit card when shopping in a supermarket. As long as the supermarket supports credit card checkout, you can use a credit card. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

according to article 6 of the measures for the administration of bank cards, credit cards are divided into debit cards and quasi-credit cards according to whether or not the reserve fund is deposited with the issuing bank. Credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Extended information:

Article 54 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks. After the cardholder applies for opening the card service exceeding the credit limit, the card-issuing bank can only provide the card service exceeding the credit limit once in a billing cycle, and can only charge the over-limit fee once in a billing cycle.

if the cardholder continuously requests to pay the over-limit fee to complete the overdraft transaction exceeding the credit limit in two consecutive billing cycles, the card issuing bank must immediately stop the over-limit card service after the second billing cycle, and can re-open the over-limit card service according to the cardholder's re-application until the outstanding amount of the credit card is reduced to below the original credit limit.

article 55 the issuing bank shall not provide credit card service beyond the credit line for credit card transfer (transfer-out) and cash withdrawal. The total amount of credit card overdraft transfer (transfer-out) and cash withdrawal shall not exceed the credit line of credit card cash withdrawal.

Baidu Encyclopedia-Credit Card

Can I use a credit card when shopping in the supermarket?

Credit cards can be used in supermarkets, as long as there is a POS machine at the cashier's office and the POS machine accepts credit cards. Enter the password, sign the cardholder's name after issuing the receipt, and check whether the signature is consistent with the signature on the back of the credit card if it is strict. As long as you have the UnionPay logo, you can use it. Generally, supermarkets can use it. You can also bind your credit card to WeChat and Alipay transactions.

: First, credit cards have different credit lines according to their grades, but generally, the credit lines we see are just credit lines granted by banks. The specific credit line you can apply for depends on your comprehensive score in the bank and your personal qualifications. The higher the comprehensive score, the higher the credit card application, and the lower the comprehensive score, and if the comprehensive score is not up to standard, then, Also, if you submit more application materials, it will be beneficial to apply for a credit card, and the amount of application will be higher. If you want to apply for a high-amount credit card, then submit your own information as much as possible.

second, a credit card, also called a debit card, is a credit certificate issued by a commercial bank or a credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit. The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the credit card standard is CreditCard[3]. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment will be made on the BillingDate. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card. From January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the management of the upper and lower limits of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

Can credit cards be used in general supermarkets?

Credit cards can be used in general supermarkets, as long as this supermarket is equipped with a credit card swiping machine that can support credit card swiping.

swiping a card on a POS machine is the most common way to use a credit card, and it is a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's last name.

then, according to the issuing bank and the type of currency to be paid, select the corresponding POS machine, swipe the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank and pay, and input the corresponding amount.

after receiving the information of remote payment, the POS will print a receipt (at least two copies) for payment by credit card, and the cardholder should sign the receipt after checking that the information on the payment receipt is correct.

after checking the signature on the receipt and the signature on the back of the credit card (including the complete name and the basic handwriting), the operator will send the credit card and the payment receipt by swiping the card to the cardholder, and the swiping procedure on the POS machine is completed.

Extended information:

Supermarket owners cashed in 2 million yuan with POS machines in five months:

In an ordinary supermarket near a residential area in Malianwa, Haidian District, in just five months, the running water in the supermarket actually exceeded 2 million yuan. After investigation, the supermarket owner also operates a "sideline"-POS cash.

The reporter learned yesterday that Haidian sentenced the owner of the supermarket to six years for illegal business operation and fined him 3, yuan. It is understood that Menmou, who runs the supermarket, has applied for several POS machines at the point of sale, in case customers pay by credit card.

Later, in order to make a profit, Menmou began to use POS machines to cash out credit cards. Through fictitious transactions, cardholders were allowed to swipe their cards on POS machines in supermarkets, and the amount of swiped cards was paid to cardholders in cash, with a handling fee of one thousandth to three thousandths.

from April to August, 213, Menmou cashed in more than 2.21 million yuan. During the trial, Menmou confessed to his crime. He said that he did not expect it to be so serious and did not know that it was a crime. After the trial, Haidian sentenced Menmou to 6 years for illegal business operation and fined him 3, yuan.

Baidu Encyclopedia-Credit Card

People's Daily Online-Supermarket Owner cashed out 2 million yuan with POS machine in five months

Can p>VISA credit card be swiped in domestic supermarkets?

yes, you can spend money by credit card in thousands of merchants with UnionPay and VISA logos, both at home and abroad.

features of China merchants bank visa credit card:

cash advance can be taken anywhere

it can have a cash withdrawal limit of up to 5% of the fixed amount, and domestic RMB cash withdrawal (including cash advance by telephone) transactions can also enjoy a handling fee of as low as 1% (minimum 1 yuan per transaction). Just set the transaction password and activate the cash advance password function, local currency can be withdrawn from ATM machines or bank counters at home and abroad, and the designated funds can be transferred to the one-card account by telephone cash advance service for real-time transfer.

swipe your card to accumulate points, and the points will be permanently valid

When you participate in the permanent points program, you can easily accumulate credit points of China Merchants Bank, and the points will be permanently valid. You can exchange hundreds of bonus gifts and services carefully selected by China Merchants Bank Credit Card website or SMS interactive mode. You can also go to China Merchants Bank to designate points exchange merchants, and directly exchange designated goods or deduct part of the credit card amount by swiping points on the credit card machine (as simple as swiping a card).

Can I use a credit card in familymart?

A: No.

The per capita sales of supermarkets are generally small, so there is no need to use credit cards. We usually use WeChat and Alipay.

FamilyMart, a convenience store brand, was founded in Japan in 1972. On August 18th, 1988, FamilyMart was established in Zhongshan District, Taibei, which was a joint venture between Japanese Familymart and Taiwan Province Hefeng Enterprise Group. Since FamilyMart's parent company authorized the introduction of convenience store management technology to enter the Taiwan Province market in China, franchise stores have been the main mode of operation since its establishment. At the end of 1988, the first store, Guanqian Store, was opened in the business circle of Taipei Railway Station. By 1997, during the ten-year pioneering period, the convenience store of the whole family had planned to open 5 stores in Taiwan Province Island, mainly in the metropolitan area in western China. Then, entering a period of rapid growth, the company made every effort to accelerate the speed of opening stores, expanding its scale with 5 stores every three years, and becoming a listed company in 22.

that's enough for the introduction of credit card supermarkets.