Normally, there is no handling fee for swiping a credit card, but banks will charge handling fees to POS merchants. When a user uses a credit card to make purchases, if the current bill amount is not paid off before the date specified by the bank, the user will not be able to enjoy the interest-free period of the credit card, and will be charged 0.05% interest on a daily basis. Ten thousand yuan earns an interest of 5 yuan per day, and compound interest is calculated.

Generally speaking, if you spend 10,000 yuan on a credit card, there are usually several situations in which merchants charge fees. Let’s introduce them in detail below:

1. The first type is ordinary merchants< /p>

If you use a credit card to make purchases at ordinary merchants, the usual credit card fee is 0.6%. If you spend 10,000 yuan, about 60 yuan will be deducted.

2. The second type is preferential merchants

When users swipe their cards at preferential cooperative merchants, the credit card rate is about 0.38%, and 38 will be deducted for 10,000 yuan. Yuan or so.

3. The third type is zero-rate industries

Mainly include public hospitals, public schools, non-profit organizations, etc. The settlement is to the public account, and individuals and ordinary merchants cannot handle it.

4. The fourth is the scan code payment rate

Alipay or WeChat settles at the bank. Normally, the rate is about 0.38%. A handling fee of RMB 38 will be charged for spending RMB 10,000 by card.