2. Class II merchants: Class II merchants mainly include real estate, automobile sales and wholesale, and the handling fee rate is 1%.
3. Category III merchants: Category III merchants mainly include air tickets, refueling and supermarkets, and the general handling fee rate is 0.5% to 1%.
4. Four types of merchants: Four types of merchants mainly include public hospitals and public schools, and the general handling fee rate varies according to different regions.
5. Five types of merchants: Five types of merchants include general merchants, and the handling fee rate is 1% to 3%.
1. The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks. It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to set up the Diners Club, the predecessor of Diners Credit Card Company, in new york. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.
2. Compared with ordinary bank savings card, the most convenient way to use credit card is to make ordinary consumption, and there is no cash in the card. In many cases, it is enough to return the consumption amount on time.