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's investigation found that the situation of people who refused to brush in the restaurant and shopping malls may be reduced, and the large amount of credit card for buying a house or buying a car may have to bear a lot of fees.
New Deal cancels industry classification credit card fees are not capped
The last card-sweeping fee adjustment was in February 2013. There was a large difference in the processing fee rates for different industries. The charging standards for food, entertainment, general and livelihood were 1.25%, 0.78% and 0.38%, respectively. For the real estate and automobile sales with a large amount of single transaction, the cap amount is 80 yuan per pen.
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 Cards, which will be implemented on September 6, 2016. According to the relevant person in charge of Henan UnionPay, in addition to lowering the card processing fee, the New Deal has two very large features. One is to cancel the classification of merchants' industry classification; the other is to implement differential billing for borrowing and credit card, and the debit card is still implemented. The topping method is that the credit card processing fee is not capped. According to industry insiders, the new rate of some state-owned banks in the province has been finalized. The debit card rate is adjusted to 0.5% of the transaction amount, the single charge is up to 20 yuan, the credit card is adjusted to 0.6%, and the single charge is not capped. "Of course, the capping policies of banks for debit card consumption are definitely different," the source said.
The rate level reduces the number of restaurants that can save 10,000 yuan in one year.
The reporter visited some merchants in Zhengzhou and found that although the new card policy can only be implemented in a few days, its influence has quietly begun.
At present, the rate of card processing for meals and entertainment is the highest, at 1.25%. A restaurant owner on the navigation road in Zhengzhou City introduced that the New Deal is 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.
A large amount of fees is not capped. Many people find it difficult to accept
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.
In recent days, many auto 4S stores have started marketing through the circle of friends: credit card reform, credit card purchase before September 6, saving thousands of dollars in handling fees. A person in charge of a 4S shop in the car introduced: At present, some 4S stores have been clearly defined, and the cost of the card is more than the cost of the customer. However, some 4S shops are saying that they are negotiating. Ten thousand cars will pay for themselves. Cars with high prices may require customers to bear this cost.
In fact, the concept of free of charge has long been deeply rooted in the hearts of the people. In the face of the sudden cost of hundreds of dollars in card payment, many cardholders are difficult to accept. 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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