Personal POS Machine "Zero Threshold" Easy Cash Collection "Cash In Hand"

< p > here the world is < a href= "http://www.91se91.com/" target= "_blank" > dress < /a > a href= "http://www.91se91.com/" target= "http://www.91se91.com/".

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< p > if you spend 299 yuan on the mobile phone POS, you can use credit card to swipe the card into the debit card, and also have all the functions of La Carla. "Isn't this cash?" Zhao, a member of the public, sees a new type of personal POS machine on the Internet. The card holder can easily move the funds in the credit card by paying 1% of the credit card service charge.

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< p > < strong > 10 Card Master < /strong > < /p >.

< p > < strong > 2 used credit card cash < /strong > < /p >.

The China credit card report, published earlier in the P, shows that 2013-2014 years of China's credit card industry market status, nearly 30% of the 30365 consumers in the sample said they had the least amount of money because they could not afford all the bills, and 21.29% said they had credit card arbitrage, that is, more than 2 of the 10 people said they had used credit card arbitrage.

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< p > the reporter consulted the company customer service in his personal capacity. His staff said that "collect treasure" is a POS machine launched for individuals, priced at 299 yuan, only needs ID card, name and merchant name. It can be opened and registered by itself, binding a debit card number, debit card and credit card can be collected through the mobile POS machine, or credit card can be returned through it.

"Just fill in your ID card and upload a photo."

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< p > and the POS machines laid out by banks must be handled by merchants who have normal trading.

"Collect treasure" on the official website only need to make an application without any qualification certification. "Instant use, 1 minutes client submit information, immediately collect money".

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< p > < strong > "cash in cash" fee 1% < /strong > /p >

< p > < strong > interest less than /strong > < /p >

< p > according to its customer service personnel, the "credit card" card charge rate is 0.5%, and the credit card credit card rate is 1%.

Compared to the current mainstream credit card charges 1% of the amount of cash collected, there is no advantage in the collection fee of "collecting treasure", but the POS card can be used to obtain credit card cash, which can avoid the 5/10000 daily interest generated by the credit card through bank ATM cash withdrawal.

At present, the daily limit of the credit card credit card for La Carla is 5000 yuan, and the monthly limit is 20 thousand yuan.

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< p > the reporter calculated an account. If the < a href= "http://www.91se91.com/news/index_c.asp" > Customer < /a > credit card withdrawals 20 thousand yuan, the cost from the cash withdrawal to the repayment date of the credit card is 20 thousand yuan x 0.05% x 50 days =500 yuan, while the use of "collect treasure" sub operation fee is only 20 thousand yuan x 1%=200 yuan.

In contrast, the use of "cash treasure" is cheaper than cash withdrawal.

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< p > it is understood that at present, "collection treasure" has sold more than 500 thousand units.

"There are quite a lot of mobile POS machines such as" collecting treasure "on the market. Many third party payment companies such as Qian Fang, fast money, Lok Fu and Qian box have launched similar products, ranging in price from 100 to 400 yuan.

One industry insider told reporters that there are still sellers who directly fight for cardholders online. The first month should not be applied to the upper limit, and second months will begin to brush more.

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< p > < strong > credit card funds < /strong > /p >

< p > < strong > can be cash to debit card is illegal < /strong > < /p >

< p > a staff member of the Credit Department of a joint-stock bank in Shenyang told reporters: "in fact, the bank system will monitor the use of card information. When abnormal occurs, it will verify the personal card situation, and once it is confirmed that it belongs to cash behavior, it will take measures."

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< p > for the increasingly fierce credit card pactions in recent years, the central bank is studying the cardholder's cash in the personal credit information system, directly affecting its personal credit record.

The central bank has increased the supervision of the third party payment institutions. From online to offline, the war of credit card cash and counter cash has never stopped.

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< p > for example, a few years ago, many cardholders used credit cards to recharge their personal Alipay accounts, thus setting up cash. Then Alipay banned the credit card to recharge the account, in order to prevent the occurrence of similar cash events.

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< p > < strong > 299 yuan zero threshold < /strong > < /p >.

< p > < strong > can apply for personal POS machine < /strong > /p >

< p > recently, the third party payment company, lkala, launched a POS machine for collecting money for individuals, and was questioned "can be used for credit card cash."

Previously, the use of POS machines for credit card cash in many cases, the handling fee is more than 0.5%, but this behavior is basically concentrated in the ground.

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< p > for cardholders, even if they can ensure timely and full repayment, the banks will also take the reduction or stop card processing and incorporate them into the personal credit information system of the PBC, which will have adverse effects on personal credit records.

More importantly, cash may also cause economic losses to cardholders.

Any individual can use the POS machine to collect the bill, use this POS machine to repay the money, once the POS main roll goes away, the final loss is the cardholder.

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< p > according to the regulations on the management of bank card collection business, merchants need to apply for < a href= "http://www.91se91.com/news/index_s.asp" > POS machine < /a > need to provide proof of "three certificates and one table", while personal users need to provide their own certificates and tax certificates.

According to the requirements of the "method", personal purchase of POS is different from offline consumption scenarios, and can only be used for personal receipts. Other scenes are prohibited.

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