Why pay less by credit card?

Credit cards cannot be used for current transactions, which may be caused by the following reasons:

(1) Merchant does not support credit card collection. This situation occurs in offline shopping, mainly because the merchants have not opened the credit card collection service. At this time, consumers should pay with a savings card.

(2) The issuing bank prohibits trading. Credit cards are not allowed for some transaction types, such as transfer, online loan repayment and credit card repayment. Credit cards cannot be used for transactions.

(3) The transaction amount is limited by the credit card single payment limit. Banks generally stipulate the single maximum amount of credit card consumption. If the price of the goods purchased is high, you can't use credit cards for transactions.

Credit card application process:

(1) Application: Generally, the application method is to fill in a credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. 、

(2) Information: Information includes the information of the main card holder, the information of the supplementary card applicant, the information of the guarantor, the statements and signatures of the main card applicant and the supplementary card applicant, and other information.

(3) Review: After receiving the application form and related materials submitted by the applicant, the issuing bank will review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

(4) Card Issuance: After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

(5) Card opening: Since the credit card application is sent by postal currency card after approval, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

(6) Identification: The card face of the credit card has at least the following information: front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated as month) and effective date (generally calculated as month). Chip account and card magnetic stripe account are two relatively independent accounts. Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

(7) Authorization: The merchant and the bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded. After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

(8) Use: Credit cards are usually limited to the cardholder's own use, and lending them to others is generally a violation of the use contract.

(9) Card cancellation: Before the cancellation of a credit card, the account balance must be settled, and the whole process of card cancellation should be completed within 45 days after the application.

Few people use credit cards now. Is it out of date?

Now everyone is used to paying with WeChat or Alipay when spending, and fewer and fewer credit cards are taken out to pay. It seems that not everyone uses credit cards anymore. Is that because credit cards are out of date? Actually, it's not. Credit cards still play an important role in everyone's life, but now consumers don't need to take out their credit cards to swipe their cards.

Credit cards are used less and less, mainly because credit cards have become a payment method in the back end of WeChat and Alipay. In the past, when we went to the store to buy things, we needed to take out the credit card and enter the credit card password to complete the whole transaction. Now there is no credit card reader in the store, instead, it is a small ticket code. Through technology development, WeChat and Alipay combine the capital flow in store transactions into the QR code. When we consume, we can complete the whole transaction process by using the payment functions of WeChat and Alipay.

In this transaction process, the credit card is still playing the function of payment, but it is not directly used for payment as before, but hidden in the back end of the payment function of WeChat and Alipay. Many times, the source of funds for our consumption is credit card, which is still the main source of funds in our consumption process, but on the surface, credit card seems to be less and less used. In fact, credit cards are still very important.

If we ask those who handle credit card business, they will say that it is getting harder and harder to do credit card business now, and it is not as easy as before. In fact, this illustrates two problems. First, many people already have credit cards on hand, because the credit card quota is low, which can only solve some daily consumption purposes, and many people will not handle too many credit cards. Moreover, too many credit cards are difficult to manage and easy to overdue. The other is that some large Internet companies have launched micro-loan services, which are similar in nature to credit cards. This credit line can be paid on many platforms, making people less dependent on credit cards.

In a word, credit card is still a very important part of our life. Judging from the current situation, nothing else can completely replace the function of credit card.

Why not suggest that credit card (debit card) be bound with fast payment?

Fast payment only needs a password to complete the whole payment process. Once a user's account is stolen, it is very easy to be stolen. It is not recommended to bind a credit card (debit card) for fast payment. Every time you use a credit card (debit card), it will be safer if you need to enter a dynamic bank password. When users use credit cards (debit cards) to swipe their cards, they should also pay attention to keeping their passwords safe and not revealing them to others.

When swiping a credit card (debit card) online, you should pay attention to shielding the password, and users should also raise their awareness of safe card use.

Why can't many businesses use credit cards now?

The main reason why Alipay and WeChat can't use credit cards is merchants. In the process of daily payment, you will find that there are more merchants who can use flowers than those who can use credit cards. Let's take Alipay merchant service as an example.

Merchants are not qualified to open credit card collection.

We all know that cashing in credit cards is illegal. In order to prevent merchants from cashing out credit cards by using the receipt code, Alipay will review the qualifications of merchants. For example, in the screenshot below, I opened the credit card collection before, and later closed the credit card collection function because of incomplete information, so customers could not choose a credit card during the payment process.

However, the threshold for picking flowers is relatively low, and I am not prompted to complete the information at present.

Credit card and flower shop recipients need support fees.

Like shopping mall pos machines swiping credit cards, using credit cards in Alipay still requires a handling fee, which is directly deducted from the merchant's collection without the customer's payment. In the above picture, my credit card handling fee rate is 0.8%, that is, the customer pays 1000 yuan, and I can only receive 992 yuan.

Many merchants' commodity pricing does not take this part of the handling fee as the cost, so it is naturally unnecessary to open the credit card collection function.

As for flower buds, we can see that the handling fee for orders below 150 yuan is lowered, and the rate for orders above 150 yuan is 0.6%.

The above are the reasons why many businesses can't pay by credit card, and I hope it will help the subject.

Why are some supermarkets unwilling to let customers pay by credit card?

Because credit card payment will involve docking with the bank, the docking procedure is very troublesome, and the corresponding taxes and fees will be deducted, which is a large part of the cost for enterprises, so it is generally not recommended for small supermarkets to pay by credit card.

Why do some people say that really rich people don't use credit cards?

Who uses a credit card when they have money? The bank offered to remit money! You see, when Jia was crying poor, a gold Lord came to his door.

Rich people like to use credit cards, not to say that they don't. Maybe many people think that rich people need credit cards because they have "mines at home" and "hundreds of millions of cards"? On the contrary, the rich like to use credit cards best. Why?

First, there seems to be little difference between credit card consumption and cash consumption, and credit card repayment is more troublesome. Rich people shouldn't like trouble. However, the reality is very different. What is the difference? The difference lies in the time difference between credit card payment and cash payment.

Cash payment, the current funds in the bank card can be paid in cash, and the funds for regular and bank financing cannot be paid. But what about credit cards? Credit card is the right that the bank gives depositors to pay in cash by swiping the card. You can use it directly when you consume it, and the longest billing period is 56 days. Because the time spent is different, there is generally an average billing period of one month.

The annualized interest rate of cash bank savings is 0.35%, 6,543.8+0,000 yuan, and the annual interest rate is 3,500 yuan. But what if I pay by credit card? It is entirely possible to subscribe for 30 days of financial management a month and repay it when it is due. The annualized interest rate of bank's 30-day term wealth management generally exceeds 3.5%, which means that the total amount of wealth management in one year reaches 654.38+00,000, with interest of 35,000, which is 654.38+00 times of the interest income of cash current savings.

So, in this case, the spread is obvious. As a rich man, I certainly won't miss this opportunity.

Second, rich people also use credit cards. As the richest man, Comrade Ma Yun wanted to go to a bar when he was on a business trip in Chongqing, but in the end, he paid by credit card instead of Alipay. As the richest man, he will also use a credit card.

Therefore, it's not that rich people don't use credit cards, but they like to use them very much.

Who says really rich people don't use credit cards?

Let's take a look at the real experience of Jack Ma, the richest man in China, replacing Alipay with a credit card.

At the beginning of this year, Ma Yun went to Chongqing to attend an activity. When he is bored at night, he goes to a bar in Chongqing to relax. When checking out, everyone was surprised to find that Ma Yun did not use Alipay recommended by the store, but used a very practical credit card to spend.

Therefore, rich people who don't use credit cards are directly beaten by Ma Yun!

In fact, there are many rich people who use credit cards. What they value is the rights and functions of credit cards, not the amount of credit cards.

In the eyes of ordinary people, everyone attaches great importance to the credit card limit. The larger the quota, the more space they can use. But in the eyes of those rich people, the credit card limit is just a number. What they value is not the credit card limit, but the rights and status symbol inside.

The bank's credit cards for the rich are not like ordinary people's gold cards or small platinum cards. Those who are worth millions, tens of millions or even tens of billions all take diamond platinum cards or centurion black gold cards. The rights and interests of these credit cards far exceed our imagination.

Take the diamond platinum card as an example. Some of its rights and interests probably include the following:

Centurion's black gold card rights are even worse, and it is a real status symbol.

Centurion Black Gold Card is known as the king of credit cards, but it can provide cardholders with world-class private services. It claims that there are only things you can't think of and nothing it can't do.

Once, a centurion with a black gold card was driving in the hinterland of the Sahara desert. Unfortunately, the gasoline ran out and the car rental company refused to help. Finally, through the Moroccan army, a helicopter was dispatched nearby to rescue him from the desert. It sounds like a fantasy, but it is really possible for a centurion with a black gold card.

Centurion's black gold card is a good explanation: real wealth is a way of life or way of thinking, not the number in the bank account. As long as you take out the black gold card, you will convey the signal that "you are not an ordinary person".

Therefore, even rich people from all walks of life want to have such a credit card. Even the rich second generation like the headmaster will send a Weibo to find their whereabouts if they lose the centurion's black gold card.

So after popularizing this knowledge for you today, don't tell jokes about real rich people who don't use credit cards in the future.

The introduction of why credit cards are used less and why some consumers can't use credit cards ends here. I wonder if you have found the information you need?