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After the credit card transaction, the funds will be unified into the UnionPay reserve account. On the second working day, the UnionPay reserve account will be paid with the settlement accounts of various pos machines. It should be noted here that UnionPay will pay to the settlement account. In other words, the UnionPay reserve account is like a wall between the credit card issuer and the settlement bank, and mutual information is blocked.

In addition, pos machines belong to payment companies and credit cards belong to banks. They belong to two different systems, and the information is not related. The payment company does not know who the credit card holder is, and the bank does not know who the owner of the pos machine is. Everyone should understand this point, and their pos machines will not pay attention to their credit cards.