Customer credit card - our credit card: Keep foreign exchange. If you need to settle RMB, you need to take it out and settle the exchange according to the price of foreign banknotes. The withdrawal fee is higher, which is about 3%, and is charged by the credit card company. charged. 3. Analysis from a risk perspective - the exact concept of a credit card is a credit card, which is different from the debit card we commonly use in China. The fundamental difference between the two is that the former uses the money first and then repays it, which is equivalent to borrowing money from the card-issuing bank, and there is an interest-free period of a certain number of days; after the interest-free period, a certain amount of interest will be charged. The latter saves money first and then uses it, all using his own money, and there is no surgery fee. For a personal credit card, the available credit limit is 3W-10W, or more. It depends on the individual's credit and the bank's system and other comprehensive considerations. Individuals do not need to deposit some money on the card first. Then the risk of using credit card payment comes from using the money first and repaying it later. We can take a look at the process: 1. The buyer issues a payment instruction from his or her credit card to the card-issuing bank. 2. The bank advances money to our bank. 3. The bank notifies the cardholder of the repayment date and amount when the interest-free period expires. After that, although we have completed the transaction, the payment is 100% guaranteed only when the buyer makes the following actions: (1) The buyer repays before the repayment date expires, and the transaction is successfully completed. Our payment was successful. (2) The buyer pays back part first, which is generally greater than the minimum repayment amount stipulated by the bank, and uses the rest as a loan from the bank, and confirms his agreement to pay interest, and then gradually repays the principal and interest. In the end, the buyer gets financing convenience, the bank gets interest income, and the seller gets payment in time, and everyone wins. If the buyer proves that the payment transaction was canceled due to returns, shortages, or quality problems, then trouble will arise: When the buyer notifies the card-issuing bank to cancel the payment, the card-issuing bank notifies the credit card clearing company, such as VISA , MASTER or our UnionPay to request a refund. The credit card clearing company will then deduct the refund from the payee's bank. Then the payee's bank will deduct the money from our card to the credit card clearing company. At this point, another situation may arise: (1) If there is enough money in our card to deduct it, then the deduction will be accepted. (2) If there is no money to deduct from our card, we need to deposit money. Then the problems that will arise at this time are: a. We confirm the refund, deposit the deposit into the card, and refund smoothly. b. If we deny the refund and fail to make a deposit, it will become an overdraft, enter the overdraft blacklist, and face bank debt collection. If a customer requests a refund and we decide that the money should not be refunded to the customer, we can only negotiate with the buyer directly. We can resort to the law, but we cannot resort to banks, because banks all execute the cardholder's instructions, that is, It would be quite unfavorable in the event of a return. --This has nothing to do with whether we agree or not. As long as you provide proof of return, the credit card company can refund the money. Usually the reason is that there is a problem with the quality of the goods. Generally speaking, as long as the cardholder receives the card on time and there is no major quality problem, he should not ask for a return, because only scammers will look for trouble. After all, there are only a few scammers. However, of course, precautions must be taken. I think using a credit card provides greater protection for customers, similar to the PAYPAL system. If the customer must say that there is a problem with our products and force the money to be refunded, it is also feasible. We have no guarantee. However, I think that if many customers can even trust Western Union, they would ask for a letter of credit just for convenience and to avoid losing their money. And most of them choose to use credit cards for very small payments.