Credit card handling fee = handling fee rate of credit card amount. Different industries have different rates ranging from 0.5% to 4%.

Generally, the discount rate of the first type of merchants, including catering, hotels, entertainment, jewelry and gold ornaments, arts and crafts, is 2%-2.5%.

The second type of merchants, including real estate, automobile sales and wholesale, generally have a discount rate of 1%, and can apply for a single-comparison transaction cap.

The general discount rate of the third type of merchants, including gasoline and supermarkets, is 0.5%- 1%.

The fourth type of merchants, including public hospitals and public schools, generally have different discount rates in different regions.

The general discount rate for the fifth category of merchants including general categories is 1%-3%.

It should be noted that the credit card processing fee is charged by the bank to the credit card merchants, and the cardholder does not have to pay.

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1. Credit card withdrawal does not enjoy the interest-free period, and interest will be calculated at the daily interest rate of 0.5 ‰ from the date of withdrawal until it is paid off. Taking the repayment after 20 days as an example, when withdrawing 10000 yuan, the interest to be borne is 100000.05% 20 = 100 yuan, that is, the daily 5 yuan interest, and 20 days is 100 yuan.

In addition, there is a handling fee for cash withdrawal by credit card, and the charging standard of the handling fee varies from bank to bank, generally around 1%-3%. Taking the transaction behavior as an example, the withdrawal fee of credit card is 1%, and the withdrawal fee of 10000 yuan is 100 yuan. The total cost is 200 yuan. Everbright and Ping An have higher withdrawal fees, both of which are 2.5%. Then the withdrawal fee of 65,438+00,000 yuan is 250 yuan, which is the total fee of 350 yuan.

It is suggested that cardholders should not use credit cards to withdraw cash easily if there is no special need. Even if there is a demand for cash withdrawal, you should choose some special cards with relatively cheap cash withdrawal fees, such as the Y-POWER credit card of Bank of Communications for RMB cash withdrawal, and the handling fee for each card is RMB 5 yuan. However, repayment should be made as soon as possible after withdrawal.

How much do you charge for credit card consumption?

How to charge the handling fee for credit card consumption is as follows:

1. If the cardholder uses his own credit card, the cardholder does not need to pay any handling fee.

2. If the credit card user is a merchant, a handling fee of 0.38% will be paid for spending through China UnionPay Express, mobile APP and third-party channels.

3. If users use credit cards in Shanghai, Shanghai, supermarkets and other places, they need to pay a handling fee of 0.5%.

Generally speaking, credit card consumption procedures only charge merchants, and the charging standards are different in different industries. There is no handling fee for spending by credit card. No matter whether you use a debit card or a credit card, you don't need to pay a handling fee. If the user uses a credit card for overdraft withdrawal or transfer, a certain fee will be charged accordingly.

Provisions on the administration of credit card use

1, 20 1 In April, the People's Bank of China issued the Notice of the People's Bank of China on Credit Card Business, which came into effect on 20 17/. The Notice requires the upper and lower limits of credit card overdraft interest rates to be managed. The upper limit of overdraft interest rate is five ten thousandths of daily interest rate, and the lower limit of overdraft interest rate is 0.7 times of daily interest rate.

2. Mainly based on the following considerations: First, the implementation of step-by-step reform will help card issuers to further accumulate pricing data and experience during the transition period and guide them to improve the credit card interest rate pricing mechanism. Second, the risk control ability and pricing ability of credit cards of various card issuers are uneven. Guiding the upper and lower interest rates will help prevent individual card issuers from blindly reducing prices and fighting price wars, which will lead to unfair competition and excessive borrowing by high-risk customers, thus increasing credit risk and causing local market chaos. Third, under the circumstance that the information disclosure mechanism needs to be strengthened, setting an overdraft interest rate ceiling will help prevent individual card issuers from unreasonably charging excessive interest and protect the legitimate rights and interests of cardholders.

On May 25th, 20021year, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards, which clearly stated that people supported cardholders to request the issuing bank to return the principal and interest of stolen deposits or overdrafts, liquidated damages and compensate for losses based on the legal relationship between debit cards and credit cards; At the same time, it does not support the issuing bank to require credit card holders to repay overdraft principal and interest, liquidated damages, etc.

Operating environment: mobile phone vivoS6, China UnionPay Express v9.0.3.

How to calculate the credit card handling fee?

Credit card fees are generally divided into cash withdrawal fees and credit card fees. Withdrawal fee: Different banks have different regulations on the withdrawal fee of credit cards. The general withdrawal fee is about 1% of the withdrawal amount, and the minimum and maximum fees will be limited. In order to prevent the cash withdrawal function of credit cards from being used for cash withdrawal, most credit cards will charge cash withdrawal fees, and some special cards will be exempted from handling fees within a certain number of times and amount of cash withdrawal. Credit card handling fee: According to different industries, merchants need to pay different fees to UnionPay. According to the regulations, this fee is paid by the merchant to UnionPay and does not need to be borne by the consumer. The handling fee for POS card swiping belongs to the operating cost of the merchant, which should be borne by the merchant, and consumers can refuse to pay. The first type of merchants include catering, hotels, entertainment, jewelry and gold ornaments, and arts and crafts (the general discount rate is 2%-2.5%); The second type of merchants include real estate, automobile sales and wholesale (the general discount rate is 1%, and you can apply for a single-comparison transaction cap); The third type of merchants include gas stations and supermarkets (the general discount rate is 0.5%-1%); The fourth type of merchants include public hospitals and public schools (generally, the discount rate varies from region to region); The fifth category of merchants includes the general category (the general discount rate is 1%-3%). According to the new standard of credit card fee, the service fee rate of issuing bank is lowered to 0.35% for debit card transaction and 0.45% for credit card transaction. In addition, the network service fee charged by the bank card clearing institution is reduced to no more than 0.065% of the transaction amount, and the card issuer and the acquirer each bear 50%.

: 1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

How to calculate the handling fee for swiping a credit card?

The handling fee for swiping a credit card is 1%-2.5% paid by the merchant to UnionPay, and no personal responsibility is required. It is illegal for merchants to let consumers bear the handling fees themselves. If the merchant asks the consumer to pay the handling fee himself, the consumer can refuse and complain to the UnionPay customer service center.

For POS merchants, the transaction fee of UnionPay card will be deducted for each transaction; For general supermarkets, 0.38% will be deducted; For general merchants, 0.78% will be deducted; Jewelry, catering and entertainment business, deducting1.25%; And for merchants in the wholesale market, 0.78% will be deducted, regardless of credit cards and debit cards. It is the same standard.

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Precautions for credit card use:

Don't be too early: try not to swipe your card before 9: 00 am, because according to common sense, most shops are not open yet.

Don't be too late: 1 1 Try not to swipe your card in the evening, because according to common sense, most shops are closed and online transactions are not affected by time.

Don't brush integers: don't brush integers such as 10000, 5000, etc., and try not to use decimal points every time you swipe your card. The amount of swiping your card should not be repeated or regular.