Before, the rate of POS machines in 4S shops was capped, that is, there was only one capping fee after it exceeded.

After the 96 fee reform last year, wholesale and bulk consumption POS machines (such as 4S stores) were cancelled. Now, if you go to a 4S store to buy a car, you can buy it at the rate set by the bank or the acquiring institution as long as you swipe your credit card, and there is no capping fee. For example, if the rate is 0.5%, then if the 4S shop buys a car for 200,000 yuan, it will have to pay a handling fee of 1 1,000 yuan to the acquiring institution.

Therefore, most 4S stores now pass the handling fee on to consumers, although this is not allowed by UnionPay, the issuing bank and the central bank.

However, in the face of lost benefits (fees), 4S stores will not let customers secretly swipe their credit cards, or directly let customers bear the corresponding fees.

If the 4S shop is unwilling to bear it, you can complain, but it is very troublesome, because the price of the car is in the hands of the 4S shop. If you complain successfully, you may charge elsewhere.

Try to negotiate with 4S to see if you can reduce or swipe your card with a debit card. There is still a fee ceiling.