According to the latest situation, whether it is a debit card or a credit card, there will be two ways to collect accounts after spending on pos machines: t and t+ 1.t in time;
1. Usually arrive on the same day, arrive in the early morning of the next day, t+ 1 arrive the next day;
Some people have to pay the bill the next afternoon, and the weekend will be postponed to next Monday (the same is true for holidays).
Normal holidays, including Saturday and Sunday, arrive on weekdays, that is, the 8 th. But now some pos machines can support 5 seconds.
1. The handling fee for credit card consumption consists of the issuing bank, the acquiring institution and the network. According to the new regulations, debit cards and credit cards were charged at the same rate before. After September 6th, the service fees charged by card issuers were changed to differential charges between debit cards and credit cards, and the rate level was reduced to 0.35% for debit cards and 0.45% for credit cards.
On February 6th, many banks in Bingcheng said that the current credit card processing fee rate of Bingcheng Bank was 0.6%. Among them, ICBC, Bank of China, China Construction Bank, Bank of Communications and China Merchants Bank all charge 0.6%, Agricultural Bank 0.5%, Industrial Bank, China Everbright Bank and Minsheng Bank 0.55%.
The staff of a bank calculated an account and bought 50 thousand yuan of goods with a credit card. If you swipe your card before September 6, the handling fee will be capped in 50 yuan; However, after September 6th, 300 yuan will be charged at the current rate of 0.6%, which is six times as much as before. At the same time, the staff also said that according to the rate of 0.6%, compared with the previous rate of 1.25%, it is more cost-effective to swipe a credit card as long as the consumption is within 8,334 yuan, which does not exceed the previous capping fee in 50 yuan. The new regulations will help to increase the cost of illegal cashing and reduce the phenomenon of illegal cashing of credit cards.
Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.
Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.