I am in the clothing store bought 1000 multivariate dress

"I am in the clothing store bought 1000 multivariate dress, how a single repayment into home appliance stores?" White xiaorou a face of doubt. Miss Zhang is more depressed: the more than 10000 yuan to buy gold jewelry, even without integral!

insiders said, not every consumer can integral, merchant POS machine has something fishy going on, the general wholesale, livelihood, buyers purchase a car and other large consumer cannot enjoy credit card points.

case 1 credit card to buy Jewelry integral take wings to itself

Miss Zhang recently in a store to buy 16888 yuan of gold jewelry. The statement is received, she found that a consumer on the bill did not show integral. Complaints to the bank, just know that pen consumption card management center in Cheap Nuggets Hats the line of credit that is the wholesale class code, according to the relevant regulations, Miss Zhang can not obtain the integral.

the truth: three kinds of low rate of consumption credit card without integral

for consumers, not every consumer can accumulate. A state-owned bank credit card department responsible person said, credit card points exchange is the trick for banks to attract consumers to do card, "in fact the banks allowing more profits to the consumers, but if a merchant in the consumer when the bank rate is low, then to the interests of consumers naturally 'discount'".

the responsible person said, the general wholesale, livelihood, buyers purchase a car and other large Cheap Lakers Hats consumer cannot enjoy credit card points, including the purchase of real estate car, hospital, pay tuition, wholesale trade.

at the same time, banks are in the process of POS machine for businesses, will determine fees according to the merchants to provide the industry category and sale mode, if the business scope or sales in the categories above, banks will no longer give consumers are integral, because the bank deducted from the merchant Cheap Nets Hats fee lower. But do not rule out "some bad businesses in order to reduce their own costs, by hiding or misrepresent the way to the bank to provide false information", the person in charge said. In addition, after the central bank cut the murder rate also exert impact on banks, "before the brush 10000 yuan bank profits of 1 yuan, and now only 0.5 yuan."

case 2 clothing stores quietly turned home appliance store

the last month in a clothing store of 1000 yuan to buy the dress, but received found on the bill, not only the consumer no points, clothing stores also quietly into the "home appliance stores".

xiaorou a careful comparison of the date and amount of consumption, Cheap Jazz Hats remembered that spending is going on, "almost thought of credit card stolen!"

the truth: change businesses use can be reduced fee

for consumers to reflect consumer credit card bills and consumption situation of inconsistent. Analysis of a joint-stock bank credit card department, POS machines of different types, merchants and banks Cheap Clippers Hats signed a credit card fees are not the same, "in the catering, entertainment and other retail >