2. Merchants who need different rates

1. The bank also likes you to swipe your card in multiple consumer places every month, so that he can make money, such as supermarkets, gas stations, furniture, home appliances and other consumer places. The more you brush, the more they think you have high spending power. Of course, the merchants who swipe your card are on the one hand, and the frequency of swiping your card every month is definitely more, that is, the more merchants who spend a little, the less the frequency of swiping your card.

2. Merchants who need different rates, because the bank gives you a credit card to make money, if you brush a capping machine or a machine with a rate of 0.38, the bank will not make money, and of course it will not increase your price, so the credit card rate should basically be above 0.49. I'll tell you how much money the bank can earn by using different rates. Now pos machines are generally charged. 0.38%, 0.49%, 0.78%, 1.25% and capped. Profit sharing principle: Issuer 7, Acquirer 2, UnionPay service fee 1.