信用咭是怎樣運作的?

請問信用咭是怎樣運作的?

信用卡是幫商戶促銷貨品，它們要給銀行手續費由 2% 至 3% 不各等, 視孚商戶同銀
行協議.

所以你買得多，銀行佢賺得更多，你說到積分，奬品，禮品，全部是銀行吸引手法之一, 大部份是商戶贊助拿出來的 。

顧客是支付貨品價, 但已經提高了價格的.

商戶為了增加銷路, 也賺少左, 因為銀行收了手續費.

至於銀行發卡行也要支付成本及行政費. 不是獨力由誰去負擔的.


火露兒

Merchants accepting credit cards are the ultimate responsible party.

Each time when credit cards are used, accepting merchants are charged by credit card processors, which are usually banks, merchant fees (about 3% of the entire amount processed).

That means the merchants get $97 per $100 charged.

In that case, even consumers pay no fee to banks (such as annual fees, late fees, interests, etc.), banks are still be able to recover their expenses and bad debts from merchants.

There is a reason why stores selling high-value items don't want to accept credit cards or impose a surcharge.

信用卡是幫商戶促銷貨品，每單交易有3%(估計)金額入帳發卡機構，所以你買得多，佢賺得仲多，你講乜乜積分，奬品，禮品，全部都係羊毛，當然出自羊身上。