In addition to credit information, which is the credit status of assets, is there any way to make your credit information better and the amount higher?
First of all, when you choose a POS machine, you must choose a cleaning machine. The so-called clearing machine is a payment license issued by the central bank, so that everyone's financial security can be guaranteed. Because there is a payment license, the settlement of funds is done through UnionPay. The POS company has paid a risk reserve fund in UnionPay. This is the time for the country to prevent the POS machine from operating risks. Guarantee. Moreover, if you want to choose a big brand big company, big companies will not do any illegal behaviors for small profits, such as merchants jumping to schools, hospitals, public security laws and other public welfare businesses.
Second, be sure to choose a standard rate machine. Starting from September 6, 2016, the national unified regulations stipulated that the POS machine merchant credit card rate is 0.6, which is not capped. The rate of the savings card is 0.5, and the fee for each credit card is 20 yuan. In the middle, I will tell you about the distribution ratio of this fee. Take the credit card processing fee as an example. The fee for each 10,000 yuan is 60 yuan. The 60-yuan card-issuing bank has to separate about 45 yuan, UnionPay has to take away about 2 yuan, and the remaining 13 yuan is the gross profit of the POS company. Under normal circumstances, the POS company will allocate 8 to 10 yuan to the subordinate agents, and the payment company will reserve 5 yuan as its own profit.
Speaking of this, everyone should understand why banks are desperately issuing credit cards. The profits that everyone has credited to the bank are very objective. Plus, if someone is late for a few days, and the interest and late payment fees are added, the profit is even scary. Xiaobian used to have a client who always pays the minimum repayment of the bill every month. I helped him calculate an account. According to the regulations of the bank, the credit card does not fully repay the amount of the bill, and the interest of 10,000 yuan is charged every day. Take the example of a 10,000 bill: the bank's interest-bearing rules are from the day you swipe your card to the last day. The general bank account is a period of 30 days in a single month, and the 20 days after the bill is issued is the last repayment date. In this way, the bank's interest-bearing time is about 50 days, and 10,000 yuan per day is 5 yuan * 50 = 250 yuan. Converted into interest is 2.5 points of interest, is not irritating? Surprise? And you still don't try? Report the credit to you in minutes, and even directly report your credit card fraud. Hey, who makes the bank a vulnerable group needs protection?
Closer to home, saying so much, is a word, the bank sent you a credit card in order to earn your money. Therefore, when choosing a POS machine, you must not choose less than 0.6. If you pursue low rates, the bank will not make any money. Then your card will not be far from the card. Some friends will say that there are 0.55 or even lower on the market. This is actually the agent’s illegal receipt, in order to seize the market, but the agent will have no money to earn, then it will jointly pay the company’s malicious code. . For example, in the cause of public welfare, the state does not charge fees for card swabs. Such as hospitals, schools, procuratorates, etc. I have seen the most outrageous and even skipped the crematorium.......... In all fairness, no one will deal with the crematorium every day. This kind of bill is too fake. This is equivalent to the POS machine company directly received the cost of your 10,000, but they all have their own pockets, the bank can not get the money, it is a strange thing not to control your card.
Finally, to say, choose a POS machine, one depends on security, and the other is to look at the bill.
On October 12, 2016, the People's Bank of China issued the “Notice on Strengthening Payment and Settlement Management to Prevent Matters Related to New Types of Crimes Committed by Telecommunications Networksâ€. The third unit that has not reported that it has not been reported may not sell POS machines online. Credit card-selling POS machines are all classified as telecom scams!
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