How to politely refuse to use a credit card when a colleague with normal relationship offers to use it?
You can find reasons to refuse or write an iou. In life, we will always meet times when we don't want to borrow money, especially your colleagues or relatives. If you are too stingy, it will hurt the harmony between relatives and colleagues, offend others and be labeled as stingy. When you don't want to borrow money, smart people will choose to use their high emotional intelligence to solve their embarrassment, which will also make themselves more popular.
If the other person is reliable and honest, he will not ask for money easily. At this time, you can tell each other that you really can't afford that much money. Borrowing money is an embarrassing thing, if the other party really has difficulties. You can ask what the problem is carefully. Generally speaking, as long as we ask, we can learn a lot of information and details from each other. The most traditional and safest way is to write IOUs. Don't be afraid and embarrassed.
When you borrow money, you must write an iou, indicating the start time and end time of borrowing money, otherwise no one will know if something happens. If the person who borrows money from you often borrows money from others and has a bad reputation outside, don't lend it to me, because you can't get it back. You can borrow money from him again, or talk about your recent plans. If the other person understands what you mean, I believe he will return. Everyone has the experience of borrowing money, and they don't ask each other what they did. Let alone pay back the money. In the end, it is ourselves who suffer.
If you meet a friend asking for money, it may lead to deliberate delay, and you can only admit it. If your friend really needs money and you don't want to lend it to him, then recommend him a reliable lending platform. If there is an urgent need, you can naturally spend it. This is the best way. If you feel embarrassed, you can borrow money. If the other party only borrows money without paying any interest, you'd better think about it.
Many Sinopec gas stations refuse to use credit cards. Why?
Generally, the handling fee for bank credit cards is 0.6%, which is infinitely tight. The more you swipe, the more negative the gas station will be. If you fill the gas station with 300 yuan gas and the customer decides to use a credit card, the service charge is 1.8 yuan. This seems to be a less surprising data, but it can't bear heavy traffic. If the average gas station's running water exceeds 654.38+10,000 yuan, and all of them are credit cards, then the gas station will pay 600 yuan's service fee. Over time, a small and medium-sized gas station will beat the salaries of several employees to Shui Piao.
Back to the oil price, the state stipulates that the price difference from the wholesale price to the market sales end is 100 yuan/ton, equivalent to 0. 12 yuan per liter. If you swipe your credit card, it will cause extra expenses, which is 0.042 yuan according to the current price of 92# gasoline in 7 yuan. This figure almost catches up with the price increase of 50 yuan/ton stipulated by the state, which is equivalent to 0.04 yuan per liter, which is equivalent to a price increase of gasoline.
This is an amazing number. Compared with gas stations with credit cards and gas stations without credit cards, oil prices show different levels. In view of the increasingly fierce competition system at this stage, the heavy burden of a gas station will mean that the gas station will lose money or be squeezed off the bus of the gas station by the total demand. However, China Petrochemical is often reluctant to use credit cards. The most fundamental reason is that credit cards need service fees. At this stage, China Petrochemical has reduced the interest rate, and the credit card handling fee should be around 0.4%. Actually, China Petrochemical needs to pay a service charge of 4 cents for swiping a card 100 yuan, and a service charge of 1.2 yuan for filling up a tank of oil.
For a customer, 1.2 yuan is not much, but it is a very big expense for all China petrochemical companies. For example, in 2065438+2008, China Petrochemical's main business income exceeded 2.8 trillion yuan. If 0/3 of 65438+ is a credit card, it is 933.3 billion, and the light service fee is 3.7 billion a year. So how much bonus is enough for a large sum of money? So there's a reason why China Petrochemical doesn't want people to use credit cards. If a customer gives oil by credit card, the service fee generated by credit card consumption must be borne by the gas station, so in order to save money, the gas station unilaterally does not provide credit card service. Moreover, there are many payment channels now, and it is not just a payment channel of credit cards in the past. Now you can scan the code to pay. In this way, the store can bear no service charge or only a small part of the service charge.
The credit card bank refused the transaction. Please contact customer service. What should I do?
When using credit cards for transactions, there are often various situations that lead to transaction failure. Most of the reasons are the cardholder himself, and a few are because of the bank. For example, a friend fails to swipe his card, prompting the credit card bank to refuse the transaction. Please contact customer service. What should I do? Let me analyze it for you today.
The credit card bank refused the transaction. Please contact customer service. What should I do?
There are many reasons why credit card banks refuse this kind of transaction, so it is necessary to prescribe the right medicine:
1. The credit card has an abnormal transaction, which is different from the cardholder's habit of using the card. For example, if the cardholder often spends money in China, the place where he swipes the card is where he lives or lives, and the amount of swiping the card is not very high, suddenly a large overseas transaction will occur. For the safety of funds, the bank will directly refuse the transaction and temporarily freeze the credit card, which requires the cardholder to contact the bank, indicating that the transaction can be unlocked and the transaction can continue.
2. Credit cards are consumed by merchants not supported by banks. Nowadays, many banks strictly control credit card transactions in consumer fields such as house purchase and investment. For example, China Construction Bank stipulates that credit cards are not allowed to be traded in domestic real estate merchants and property tax merchants, and limit the transaction amount for domestic real estate, time-sharing housing merchants, life insurance merchants and tobacco commercial merchants.
3. If the credit card expires, or because the magnetic stripe is damaged or the data reading of the chip card fails, the transaction using these types of credit cards will be directly rejected by the bank, and it is necessary to contact the bank to replace the invalid credit card with a normal credit card before continuing the transaction.
The above is "Credit card bank refused to trade, please contact customer service. What should I do? " Related introduction. In short, if the credit card transaction is rejected, you can find out the reason according to the above introduction and solve it.
More and more people refuse to apply for credit cards (debit cards) because banks do it themselves.
In the past, credit cards (debit cards) have always been more popular with young people. Many people are willing to go to the bank to apply for a credit card (credit card) without waiting for the bank salesman to sell it at home. However, on the other hand, it is difficult for salesmen to push now, set up stalls at the entrance of the community and send small gifts with cards to capture the hearts of users. More and more people no longer favor handling and using credit cards (debit cards).
Why is this?
Many people have said that it is because Alipay now has flowers and loans; WeChat has micro-loans, and JD.COM has white bars; Credit card (debit card) is no longer the only choice for people to spend in advance. Small finance, I think this is really one of the reasons. But I think it's more because banks do it themselves, unwilling to change the old model but catering to young people.
First, credit cards (debit cards) have annual fees, but other credit products do not.
We all know that credit cards (debit cards) have an annual fee; Even some special credit cards (debit cards) will generate annual fees even if they are not activated. Users often need to swipe credit cards (debit cards) to meet a certain number of transactions, or spend a certain amount to avoid annual fees. This is very difficult for some people who want to apply for a credit card (debit card) but don't like to use it to swipe their credit cards (debit cards).
Compared with credit cards (debit cards), those credit products that appeal have no worry about annual fees; There is no need for users to force consumption because of the annual fee, nor will they force annual fees because of special accounts or even because the annual fee is overdue. Therefore, for users with small consumption, other credit products without annual fee requirements do have advantages over credit cards (debit cards).
Two, credit cards (credit cards) will be overdue credit, other credit products are not necessarily overdue.
Credit cards (debit cards) are directly linked to personal credit records. As long as the credit card (credit card) is overdue, it will definitely be on the personal credit record. Moreover, personal credit records can influence the "fate" of users' future mortgage, car loan, personal loan and other businesses, which has a great influence.
However, after other credit products are overdue, overdue records may not be immediately included in personal credit records. Because the use and overdue records of credit products like Bai Hua are temporarily recorded in Sesame Credit, Alipay will also report personal credit information according to the serious overdue situation.
Therefore, for users, the direct connection between credit card (debit card) and credit information will make users feel too insecure. Faced with such a situation, everyone would rather give priority to using credit products provided by third-party payment platforms such as Huayuan than using credit cards.
Third, the interest on cash withdrawal of credit cards (debit cards) is relatively high.
Credit cards (debit cards) can also be withdrawn, but the interest rate of credit cards (debit cards) in most banks is 15 thousand, so the probability of interest rate reduction is relatively low; The interest rate adjustment flexibility of other credit products is relatively high. For example, to borrow money, some people start with an interest rate of 15,000, and after several uses, it becomes 141,300; Even for some people with better qualifications, the interest rate directly drops to 1 1.5, which can be said to be much more cost-effective than credit cards (debit cards).
To sum up, I think credit cards (debit cards) are gradually losing the favor of young people, and there are other reasons besides more competitors. However, credit cards (debit cards) are not so useless. Large credit cards (credit cards) have advantages over users who need large amounts of money!
Can I use a credit card at the gas station? Why did you refuse?
Credit cards are widely used for consumption, not only for entertainment and life scenes, but also for daily necessities. Some users came to consult and said that credit cards can be used at gas stations. Why did you refuse? Then let's talk about this problem briefly.
1. Can I use my credit card at the gas station?
Credit cards can be swiped at gas stations, as long as pos machines for swiping cards are installed, and the credit card limit of users is sufficient.
Second, why refuse?
What is mainly involved here is the handling fee. For example, if a user adds 400 yuan's oil to a gas station, and the charge for swiping a credit card is generally around, then the charge that the gas station needs to bear is the 400 yuan.
Although the amount seems small in the example, there are so many people coming and going to refuel, which is a big expense in general.
In addition, users who use credit cards to refuel will get a certain percentage of cash back, while gas stations have to bear the handling fee even if there is no cash back discount, which is naturally unwilling.
In fact, except for the gas station, now I go to the 4S store to buy a car and pay by credit card, and the other party is not willing. Some 4S stores have to bear the handling fee before agreeing.
The above is about "Can credit cards be used at gas stations? Why do you want to refuse? " The answer, I hope to help everyone. Generally speaking, under normal circumstances, gas stations can pay by credit card, which is no different from other consumption scenarios. However, the gas station may refuse to pay the credit card fee, and everyone should pay attention to this. If there is really no other payment channel, you can bear the handling fee yourself, and the other party should agree.
Can merchants refuse to swipe their credit cards? Where can I complain?
Merchants can of course refuse credit cards, and the payment method is generally written at the door.
Not all shops have pos machines.
The introduction of how to refuse to swipe your card and how to deal with it ends here. I wonder if you have found the information you need?