With the popularity of Alipay and WeChat, people now prefer to use mobile phones to make payments, and most of them American express automatic payments information to bind Alipay and WeChat scan code transfer payments. This kind of payment management method is really convenient to develop, eliminating the need for corporate cash payment transactions. tedious.

What is the difference between credit card binding WeChat, Alipay consumption and direct credit card payment? Let me tell you here: the difference is very big, and it will even affect the limit of your credit card to borrow money!

When it comes to the way of using credit cards, it can be roughly divided into online online consumption and offline physical card consumption. Most of the online consumption of credit cards do not have points, why?

In fact, the answer is very simple. Since credit card holders have no money to earn in online consumer banking, the handling fee charged by offline credit card consumer banking from merchants is 0.6%, while the handling fee charged by online consumer banking is only 0.38%. The third party pays the channel and channel fees, and the bank is not profitable at all.

Analysis of the card swiping process of UnionPay POS machine:

If you swipe 1,000 yuan on the POS machine, you need to pay a handling fee of 6 yuan, 4.5 yuan of the 6 yuan to the issuing bank, and 1.5 yuan to the acquirer. Then the issuing bank pays 0.325 yuan to China UnionPay, and the acquirer pays 0.325 yuan to China UnionPay. Then, China UnionPay earned 0.65 yuan.

WeChat/PayPal code scanning process analysis:

Assuming that you need to pay 1,000 yuan to scan the code at the merchant, you will need to pay a handling fee of 3.8 yuan. Of the 3.8 yuan, service providers (including offline acquiring and payment companies) pay 1.8 yuan, and Alipay and WeChat Tenpay pay 2 yuan.

Therefore, banks do not like the high share of online consumption of credit card cardholders. Banks provide cardholders with points for consumption by swiping cards, which is a behavior that encourages consumption, and banks have no money to earn when spending credit cards online. How does the bank issue points to cardholders?

Online consumption is the general trend, and banks cannot turn the tide. To win over customers' fear of losing customers, banks have to back down. Now many banks and major e-commerce companies have launched co-branded credit cards with online shopping points. But in general, there is still a big gap between feedback and offline points strength and discount.

Will it affect credit card withdrawals?

Credit card withdrawal amount, the bank mainly based on the cardholder's spending ability and repayment ability, and then objectively evaluate the cardholder's personal qualifications, card usage, consumption characteristics and other aspects.

Online purchases and e-commerce purchases by credit card can indeed affect the bank's progressive credit score for credit card cardholders. The main reason for the impact of credit card online consumption and e-commerce shopping is that the contribution of cardholders to the bank cannot be improved. Therefore, if the online consumption share is too high, it will affect the score of the credit card, which in turn affects the progress of the credit card limit.

Posted by: ssing at 04:39 AM | No Comments | Add Comment
Post contains 545 words, total size 4 kb.