Credit cards can be used for purchases in supermarkets.

In any ordinary card swiping machine in supermarkets, shopping malls, etc., you can use credit cards to make purchases. There is no handling fee for card swiping purchases, which means that no additional money will be deducted from your card.

When swiping a credit card, you need to enter the correct password to pay, and the signature means writing your name. If you swipe a card with a signature, you don't need to enter a password. You need to apply at the bank counter. Password payment is safer. If you accidentally lose your card, others will not be able to pay with the card without the password.

Extended information

Since September 6, the "Notice on Improving the Pricing Mechanism for Bank Card Swipe Fees" jointly issued by the National Development and Reform Commission and the People's Bank of China (hereinafter referred to as " Notice") was officially implemented.

Among them, rates in the catering and department store industries have been significantly reduced, and some citizens are eager for merchants to "rebate" consumers. However, because the new regulations adopt differential billing for debit cards and credit cards, and there is no upper limit for single credit card charges, many citizens are also worried that merchants will refuse or even charge handling fees when making large purchases.

In this regard, some people in the industry said that it is obviously a violation for merchants to pass on card processing fees to consumers, and cardholders can complain. Currently, bank card swiping fees are mainly composed of the issuing bank service fee charged by the card issuer, the network service fee charged by the bank card clearing agency, and the acquiring service fee charged by the acquiring agency.

The "Notice" shows that the service fees charged by card issuers will be changed to include no distinction between merchant categories, government-guided prices and upper limit management will be implemented, and the difference between debit cards and credit cards (credit cards) will be calculated. fee.

The service fee rate level of the card issuing bank is adjusted to no more than 0.35% of the transaction amount for debit card transactions and 0.45% for credit card transactions. The amount of a single charge for debit card transactions shall not exceed 13 yuan, and no single charge cap will be implemented for credit card transactions.

Among them, the service fees of card issuers and network service fees for credit card and debit card transactions for merchants in catering and other industries will be reduced by 53%-63% respectively, and for merchants in department stores and other industries will be reduced by 23%-23%. 39%.

At the same time, the network service fee rate charged by bank card clearing institutions is reduced to no more than 0.065% of the transaction amount, and the charge amount for a single transaction is no more than 6.5 yuan. In addition, for non-profit medical institutions, educational institutions, social welfare institutions, elderly care institutions, and charitable institutions, the service fees and network service fees of the card issuer will be fully exempted.

According to preliminary estimates, various merchants can reduce card processing fee expenditures by approximately 7.4 billion yuan per year. Relevant persons in charge from the National Development and Reform Commission and the People's Bank of China told reporters that this national policy adjustment has significantly reduced the fee level as a whole, which is conducive to reducing merchant operating costs and improving the operating environment.

“It’s really a good thing. Nearly 70% of our customers now use credit cards to make purchases. Now the handling fees for bank cards in department stores have been reduced by 23% to 39%. This can really save a lot. A sum of money." A person in charge of a well-known department store in Guangzhou told reporters. According to the department store's operating income of more than 2.8 billion yuan last year, the reporter roughly estimated that the new bank card processing fee will save the merchant tens of millions of yuan.

“Nowadays, the burden on enterprises is very heavy, especially labor costs and other expenses are constantly increasing, and profits are also declining. Being able to save these expenses can really reduce the burden on enterprises.” A person in charge of a department store said that in order to To enhance competitiveness, more resources will be used to increase promotional efforts.

Previously, the supermarket credit card processing fee was 0.38%. According to the new regulations, the service fee rate level of the card issuing bank is adjusted to no more than 0.35% of the transaction amount for debit card transactions and 0.45% for credit card transactions.

“In other words, if consumers use credit cards to make purchases in supermarkets, the handling fee will increase slightly, but if they use debit cards, it will decrease by 0.03%.” The relevant person in charge of China Resources Vanguard Guangzhou told reporters that now Many consumers like to use Alipay and WeChat payment, and the amount spent per order in supermarkets is not large, so merchants will not increase the burden on consumers.

“We haven’t seen the specific impact yet. If we can bring larger balances through this reduction in bank card swiping rates, we will definitely use it to increase promotions.” Many large-scale banks in Guangzhou The relevant person in charge of the supermarket said so.

The relevant person in charge of Guangzhou Restaurant said that it is a good thing for the industry. "In fact, during normal business, we are involved in many banks. Different banks charge different handling fees. The reduced fees The rates are also different. For us, the rate generated by the card swiping itself is not very big. It has little impact on Guangzhou restaurants, and the money saved is not huge. But for the catering and food industry, the rate reduction is definitely a big deal. A good thing."

The relevant person in charge of Grandma's Family also holds the same view: "We definitely welcome the policy of lowering the handling fee. However, after all, the gross profit of the catering industry is not bad, and the credit card handling fee accounts for the proportion of the turnover. Not too high.

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Reference: Xinhuanet? Consumers have to pay handling fees when swiping credit cards