On September 6, the UnionPay New Deal canceled the POS machine capping consumption, etc. What impact will these policies have on our consumers?

There are a lot of children's shoes saying that it has no effect on me. I think this conclusion is a bit premature. Although nominally, the rate changes, the merchants are affected, but you need to know who the merchants earned? Since ancient times, we have said that wool is on the sheep. In this era when people are better than anything, do you think it will have no effect on you?

Our initial POS consumption classification is in four categories: food and beverage entertainment, people's livelihood, and public welfare and general categories (such as department stores). Among them, the catering and entertainment rate is up to 1.25%. We often have a set of coded cases. It is obvious that we have eaten at a restaurant and turned into a supermarket. But now the credit card rate is unified, there is no industry division, so in the past, many banks' guiding consumption will not be there, the points will not exist in the industry, and I don’t know what the bank will do for the points policy. Kind of adjustment?

Will the points in our hands be devalued or added?

For example, the credit policy of China Merchants Bank was originally a lot of industry consumption is not scored, and now the rate changes, there is no industry difference, the points are to become easier? Points are going to be depreciated? I haven't seen the latest points policy yet, so I personally think it's still unknown.

From the point of view of numbers alone, the high rate is lower and the low rate is higher. The highest is food and entertainment, can you understand that the country encourages everyone to eat, drink, and play, and the consumption rate of department stores is also low. Besides eating and drinking, do you have to start buying and buying?

Although from a policy point of view, it has nothing to do with our consumers, because this fee is not from us, it is from the business, as to whether the merchant covers these fees in your commodity price is not known. . 1.25 to 0.6 is happy, 0.78 to 0.6 is also happy, but 0.38 to 0.6 is unhappy. The original 0.38 card was changed to 0.6. This extra 0.22 is for the merchant to bear. You said that the merchant will bear this part of the cost for us, or will it pass the part of the fee or refuse to swipe the credit card directly? All said that the merchant refused anything, you can go to the complaint, but if it is generally the case, how to deal with it? But sometimes, the law does not blame the public.

In addition, the legendary capping machine is gone.

In the past, we raised large credit cards. When buying a house and buying a car, it is also possible to swipe a credit card. Because most of these POS machines are capping machines, you may charge 100 for 20,000, and you charge 50,000 for 100. You brush 100,000, the fee is still 100, so the merchant is accepted from any angle and welcomes you to swipe. Insert a sentence, originally you did not have a cash debit card, you can not buy, but you can swipe a credit card, for merchants, the handling fee is not much, in a sense is to stimulate consumption. But from now on, there is no cap. If the original 20,000 is 100, but now 100,000, it may be 500. The merchant’s handling fee is much higher, the profit is low, and the burden of brushing a large amount is heavy, but the merchant still has Will you support your card? If the merchant passes this part of the cost and raises the price of the goods, will you still swipe the card? If the merchant refuses to swipe the card, will you pay in cash?

The introduction of this policy, many experts said that this policy is good, return to the essence of credit cards, some speculation will not work. But from our usual spending habits, does credit card help consumption? Of course, we are looking at the majority, seeing the general, not looking at the case. Usually you can buy or not, you don't have to buy it, or you don't have enough money to buy it, but you can buy it with a credit card. Is it a lot of time to buy it? If you don't support a credit card, would you still buy it? The purpose of registration is to promote consumption, stimulate domestic demand, and let you save money and save money. If this policy allows everyone to tighten their pockets, is it contrary to the original intention? Just like the melting mechanism before the stock market, the intention is to dry up? But the actual implementation has become awkward? Reduce the number of mills per day to 15 minutes to work. Now the amount of cards issued by major banks and the preferential activities of major banks, without exception, are to promote consumption, promote consumption, and take out the money in the pockets of cardholders. Although the policy you appear on the surface seems to be beneficial to cardholders, the actual cardholder’s interest depends not only on the bank but also on the merchant. The merchant does not participate in the game. Your game rules are useful. ?

Banks, merchants, and cardholders form a triangle, which says that the triangle is the most stable figure, but if only two sides are fixed, the second side and the third side are constantly shaking with the third point, then this It must not be the most stable graphic.

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