Current location - Trademark Inquiry Complete Network - Overdue credit card - How to use credit card in supermarket
How to use credit card in supermarket

Credit cards can be used in Xileqi Supermarket

Credit cards can be used in Xileqi Supermarket.

Credit cards can be swiped in supermarkets, as long as there is a POS machine at the checkout area, and the POS machine accepts credit cards.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Can I use a credit card for supermarket shopping?

Credit cards can be swiped in supermarkets, as long as there is a POS machine at the checkout area, and the POS machine accepts credit cards. Enter the password, sign the cardholder's name after issuing the receipt, and where strict requirements are required, check whether the signature is consistent with the signature on the back of the credit card. As long as it has the UnionPay logo, it can be used. It can be used in general supermarkets. You can also bind your credit card to WeChat and Alipay transactions.

: 1. Credit card limits vary depending on the level. However, generally the limit we see is just the bank’s credit limit for credit cards. The specific credit limit you can apply for depends on your bank experience. The comprehensive score is determined by personal qualifications. The higher the comprehensive score, the higher the credit limit applied for. If the comprehensive score is low, the credit limit applied for is lower. Also, if the comprehensive score does not meet the standard, then , it will be rejected by the bank, so everyone must always pay attention to their personal qualifications, especially their personal credit record. Also, if you submit more application information, it will be beneficial to your credit card application, and the application limit will be higher. If you want to apply for a high-limit credit card, then submit as much information as possible.

2. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit cards stipulated in my country's relevant laws ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with partial functions. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard[3]. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate). Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only. Starting from January 1, 2021, credit card overdraft interest rates will be determined independently by card issuers and cardholders through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. 0.7 times).

Can I pay with credit card using WeChat when shopping in supermarkets? Or can I only pay with a credit card?

The answer is of course yes. Once you apply for a credit card, it is used for consumption. Supermarket shopping is a type of consumption. It is completely okay to use a credit card to settle the bill, and it is also OK to use a credit card for offline consumption. You can accumulate points. When the points reach a certain amount, you can go to the bank corresponding to your credit card to redeem small gifts, which is very cost-effective.

So there are several different answers to the question of how to use a credit card when checking out after shopping in the supermarket.

One is to bring your credit card directly when you go shopping in the supermarket. When checking out, tell the staff to choose to pay by credit card. Use the POSE machine to insert the card and enter the password and the payment is successful.

As modern society is increasingly transforming and developing into a "cashless society", people now habitually do not bring cash when going out, but only bring a mobile phone, because Alipay and WeChat can already satisfy our needs. Daily shopping. Then there is a second way to pay with a credit card in the supermarket, and that is to use electronic payment methods. Bind your credit card on the Alipay personal homepage interface, and then set the payment method to this credit card on the Alipay payment QR code interface. When the staff prompts you to scan your mobile phone, just paste the payment QR code on the Alipay interface. The same goes for using WeChat to pay. Bind your credit card on WeChat, and then choose to use this credit card to pay when paying.

In fact, I personally think that the latter two methods are more convenient. Not only do you not have to remember to bring your credit card when you go out, but you also save the time of swiping your card, entering your password and signing for confirmation. If you encounter a supermarket There are so many people. This not only saves your own time, but also saves the time of people checking out and paying behind you, and improves the work efficiency of the supermarket. And now almost all cities in the country, from train stations, airports, supermarkets to small shops, can basically support Alipay or WeChat payment. is very convenient. And there will be no handling fee. If some supermarkets do not support the bank card of the bank to which your credit card belongs, there will be a certain inter-bank operation fee for swiping the card.

Supermarket credit card checkout operation sequence

Category: Business/Financial Banking

Problem description:

I am now a supermarket The cashier has to work on the machine just two days after arriving. I would like to ask experienced friends about the detailed sequence of credit card checkout and membership card checkout. The format is like: swipe the product label---press the "Checkout" button---quote---collect money---press the "OK" button and the "Checkout" button---wait and I want to contribute all the points go out. Please kind friends please help me quickly, I will be on the plane again tomorrow.

Analysis:

See if your POS machine is integrated into the payment system. (Whether the card is swiped by a separate machine or directly in the system)

Integrated system:

Swipe the product label---press the "Checkout" button---quote and ask the customer for payment methods ---Select "Credit Card/Bank Card" --- Swipe the card --- Ask the guest to enter the password --- If the verification is passed, ask the guest to sign; if the verification is not passed, ask whether to change the card or cash --- Check whether the guest's signature is Same as the back of the bank card---return the customer copy of the purchase order to the guest---press the "OK" and "Checkout" keys---put the receipt copy into the cash register

Non-integrated system :

Swipe the product label---press the "Checkout" button---quote and ask the customer for payment methods---select "Credit Card/Bank Card"---swipe the card---enter payment on the POS machine Amount---Please confirm and enter the password---If the verification passes, ask the guest to sign; if the verification fails, ask whether to change the card or cash---Check whether the guest's signature is the same as the back of the bank card---Sign the purchase form Return the customer coupon to the customer --- press the "OK" button and "Checkout" button in the cashier system --- put the receipt coupon into the cash register

Can I use a credit card to buy things in the supermarket?

Credit cards can be used to buy things in supermarkets. As long as the supermarket supports credit card settlement, you can use credit cards. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to Article 6 of the "Bank Card Management Measures", credit cards are divided into two categories: credit cards and quasi-credit cards based on whether a reserve fund is deposited with the card-issuing bank. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve account balance is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Extended information:

Article 54 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Card usage exceeding the credit limit can only be provided once in a cycle, and over-limit fees can only be charged once in a billing cycle.

If within two consecutive billing cycles, the cardholder continuously requires payment of over-limit fees to complete overdraft transactions that exceed the credit limit, the card-issuing bank must immediately stop the overdraft transaction after the end of the second billing cycle. For limit-based card use services, until the outstanding balance of the credit card is reduced below the original credit limit of the credit card, the card use service beyond the credit limit can be reopened based on the cardholder's re-application.

Article 55: Card-issuing banks are not allowed to provide card-using services beyond the credit limit for credit card transfers (transfers) and cash withdrawals. The total amount of credit card overdraft transfers (transfers out) and cash withdrawals must not exceed the credit limit of the credit card for cash withdrawals.