From September 6th, the new regulations for POS card swiping fees will be implemented. What kind of impact will this bring to our people? The reporter found that although the debit card rate level has decreased, but the credit card processing fee canceled the capping rate of 0.6% after the capping, the card users who are ready to buy a car with a credit card have a headache, and everyone goes to the restaurant. The situation of “rejection†in shopping mall consumption may be reduced.
Then, after the New Deal comes to the ground, can credit card holders still be willing to “sweet†as before?
New Deal cancels industry classification, credit card fees are not capped
Going out without cash, swiping a bank card anytime and anywhere has become a way of life for everyone. In the past, because of the classification of the fee and the capping, we may not take it seriously, just brush it, but it is different now! Our reporter reminds everyone: starting from September 6 this year, the card processing fee adjustment!
After the implementation of the card new deal, the handling rate has been greatly reduced, especially for ordinary debit card consumption. According to the new policy requirements of some banks, the rate level is adjusted to 0.5% of the transaction amount, and the maximum charge is 20 yuan; the credit card is 0.6% of the transaction amount, and the cap is cancelled.
Credit card single-card credit card fees are not capped, which means that the handling fee for large-volume credit card spending increases. For example, the original credit card swipe 50,000 yuan handling fee capped 26 yuan, after the implementation of the new rate, if you press 0.6%, you have to pay 300 yuan. Calculated at the new rate of 0.6%, the amount of credit card exceeds 8334 yuan, and the cardholder will have to pay more than the previous 50 yuan cap fee.
The rate level is lowered, and the small restaurant can save 10,000 yuan in one year.
At the beginning of March this year, the National Development and Reform Commission and the People's Bank of China issued the "Notice on Improving the Pricing Mechanism for Bank Card Credit Card Fees", which was called "POS New Deal" by the industry and was implemented on September 6, 2016.
It is reported that the bank card crediting fee is mainly composed of the billing service fee collected by the acquiring institution, the card issuing bank service fee collected by the card issuing institution and the network service fee charged by the bank card clearing institution. The POS machine card processing fee, the most recent adjustment is in 2013, of which, the fees for meals, general and people's livelihood are 1.25%, 0.78% and 0.38% respectively, and the catering business has the highest rate of credit card.
For small and medium-sized merchants, the biggest bright spot of the New Deal is to cancel the classification pricing of the merchant industry. The biggest benefit is undoubtedly the catering and entertainment industry. Previously, in the entertainment and entertainment card fee, only the card issuing service fee was 0.9%. After the implementation of the New Deal, the card issuing bank's service fee was 0.35%, a drop of more than half.
The owner of a small restaurant in the provincial capital Wanda Pedestrian Street told reporters that the New Deal is definitely a good thing for them. "The original customer spent 100 yuan in the hotel card, we have to bear the cost of 1.25 yuan." He introduced that his shop credit card accounted for about half of the daily credit card, there are thirty or forty single, the daily fee is nearly one hundred yuan. "After the adjustment, we have to bear 0.6 yuan or 0.5 yuan per 100 yuan, which can save 40 yuan a day, and save 10,000 yuan a year." The boss said that he would also welcome customers to pay by credit card.
In addition, the reporter learned that under this new policy, the advantages of mobile payment rates are no longer obvious. Previously, the majority of the fees that merchants used to pay for the payment of Alipay and WeChat payment were 0.6% of the total transaction amount. This rate is definitely superior to the previous POS rate in the entertainment, department store and other industries. . However, in accordance with the adjustment of the above New Deal, the handling fee for mobile payment in the future is almost the same as the fee for card payment.
Large fees are not capped, and buying a car to buy a house adds a lot of money.
Due to the fact that credit card single-card credit card fees are not capped, credit card consumption may be affected in certain expenses such as real estate and car purchase.
Mr. Li, the person in charge of the 4S shop of a joint venture automobile brand of the provincial capital, told the reporter that if the customer requests to swipe the card after the new regulations, the store can only save the savings card. "The rate is too high. A 100,000-car car will have to pay a handling fee of 600 yuan. The profit of selling a car is not known whether there is so much. We can't afford this cost, if there is 4S like Consumers will bear the burden of the store, and consumers will not buy it. Therefore, it may be more appropriate to use a savings card."
In this regard, Zhang Qiliang, a civil servant who is planning to buy a car, said that he was very dissatisfied. "The family is about to add new members. I wanted to change a car. I don’t have much cash in my hands. I want to pay by credit card, and then I will pay back later. This new policy has brought us a burden of handling fees."
There are many cardholders who are planning to pay for their purchases by credit card. On the morning of September 7, Sun Nan, a “90-year-old†in the provincial capital, is preparing to pay the first payment. “Now the developer has told us that it is best not to pay the house with a credit card. The extra credit card fee must be We personally bear, but I just bought a house. I just applied for a large credit card this year. Hey, it just disrupted the plan."
In terms of large-volume consumption, although credit card holders have many complaints about the New Deal. However, some analysts believe that although it will cause inconvenience to the cardholders, it will help prevent credit card cashing. For example, the previous fee of 10,000 yuan may be 150 yuan, and may be 200 yuan or higher in the future, which can effectively prevent such risks.
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