1. Credit card payment: Even if the credit card itself is used for payment, it is actually a kind of credit card payment, including card insertion, credit card payment and quick payment. After the automatic 96 fee change cancels the upper limit of credit card rate, the rate standard is 0.6%, excluding discounts, exemptions and special merchant rates. The specific rate depends on the POS payment company. Most of them are 0.6%. Plus a few dollars. If the credit card rate is less than 0.6%, you probably stole the code skipping machine. In this case, you not only have no points, but also are easily controlled by the risk of the bank.
2. Scan QR code to pay: that is, pay by credit cards such as WeChat, Alipay and UnionPay, and pay by payment institutions such as the bank's own QR code. This payment method skips the bank settlement channel, and the rate is freely negotiated by the companies. Usually, the standard rate is low, usually 0.3% to 0.5%, or it may be zero. For example, in Changsha Bank, for a period of time, QR code scanning payment was completely free, but it is best to spend normally, and the amount of consumption is small, not too large, otherwise merchants may be prompted to enter the transaction limit and cannot pay.
3. China UnionPay Express: Card-free payment refers to binding a credit card with a smart device with NFC function, and then using various payment methods, such as APPLE PAY, MI PAY and Huawei Pay. And the mobile phone is close to the Express POS machine. The lowest interest rate of this payment method is 0.38%, depending on the payment company. It should be noted that different deduction standards can be adopted according to the consumption situation. If the single consumption is less than 1000, the implementation rate is 0.38%; However, if the amount exceeds 1000 yuan, the rate standard of 0.55% can be implemented.
Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. The form is a card with issuer's name, expiration date, number and cardholder's name printed on the front and magnetic stripe and signature strip printed on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, banks settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on Credit Card Clauses in the Criminal Law of People's Republic of China (PRC)) refers to the card issued by commercial banks or other financial institutions with the functions of consumer payment, credit loan, transfer settlement and electronic payment, and all or part of cash access.