With the improvement of living standards and the accelerated pace, many people are under the pressure of survival, so it is inevitable that they sometimes need * * * *. At this time, many people choose credit cards and flowers, and some people are eager to satisfy their desires by following the competition and pursuing material things. Whatever the reason, when their abilities and desires are out of proportion, they will easily become slaves of these institutions, which is also the reason why credit cards and various overdraft consumption institutions are popular.

As for how to charge for credit card consumption, when consumers swipe their cards on POS machines to generate transactions, they will get some handling fees, which are charged according to the types of merchants, including standard rate merchants, preferential rate merchants and reduced merchants. The institutions that get the handling fee are mainly issuing banks, settlement institutions and acquiring institutions. According to the current standard rate of 0.6% for merchants, the issuing bank accounts for 0.45% of the consumption amount, the settlement institution accounts for 0.065% (the issuing bank and the acquiring institution each account for half), the acquiring institution accounts for 0.6% minus 0.45% for banks and 0.0325% for UnionPay.

For example, if a consumer swipes 5,000 cards at a standard rate merchant, the handling fee will be charged at 0.6%, that is, 5,000× 0.6% = 30 yuan, and 30 yuan will be borne by the merchant, and now it will be shared by several institutions according to the above standards. Because the credit card consumption is not capped now, for some bosses in the wholesale industry, the profit is very low. Generally, it is suggested that the credit card handling fee should be borne by consumers themselves, and the processing channel of Sanlu POS machine should be shared here for the time being.