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POS机刷卡手续费率新规落地 有商家要求平摊手续费

2016-09-07 01:56:04   重庆晨报

本报讯 (记者 吴黎帆)昨天,《关于完善银行卡刷卡手续费定价机制的通知》正式落地。“手续费”成了消费者和商户最为关心的事情。新规之下还能用信用卡刷大额商品吗?信用卡各类费用到底怎么算?新规对发卡的银行有何影响?

记者采访了多家相关单位后了解到,大额刷卡手续费,商家要和消费者平摊了。

多数商家要求平摊手续费

新规实施后,取消了信用卡手续费率封顶限制,部分商家在销售过程中就明确表示,如果客户选择刷信用卡就要支付一半的手续费。

记者在渝北某4S店内了解到,该4S店从9月6日起凡刷信用卡购车的客户要承担3成手续费。一位姓赵的销售人员说:“以前买一辆20万的车手续费不过几十块,而现在要近1000块,如果客户坚持刷信用卡我们就会让他承担一部分手续费。”记者在店内也看到了一摞临时打印的信用卡刷卡声明,空白处还需客户签字确认。

记者走访了多家4S店、奢侈品店、金店等容易刷大额信用卡的商家后发现,这些商家都会让客户承担一部分手续费,一般是5成,有熟人最低3成。观音桥步行街某奢侈品店店长刘蓉说:“现在我们鼓励客户买东西用现金或者刷借记卡,实在要刷信用卡的客户我们就会让他承担刷卡手续费的一半。”

小商户重新青睐POS机

某股份制银行个金部的相关负责人王程表示,此次新规会带动银行卡收单业务和银行卡消费规模的提升,减少银行体内的现金漏损,长远看对银行有好处。尤其是之前一直不愿意办理POS机的小商户,不少人现在主动找上银行咨询该业务了。

某国有行信用卡中心负责人表示,新规对银行信用卡业务影响非常大,不过其带来的机遇大于“风险“。该负责人说:“‘风险’主要是银行经营成本的增加,银行之间拼杀也会更为激烈。不过从中长期来看,此次新规将有助于提高银行卡发卡量、普及率、活卡率以及银行卡渗透率,趁势促进银行卡业务发展。同时,新政也将让各家银行重新调整思路,寻找中间业务新的增长点,来弥补‘损失’,比如推出一些特色产品、优惠活动等,这些都是利好消费者的。所以,对于银行来说,新规带来的机遇大于‘风险’。”           

责任编辑:孙启浩 cn037
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