继续说货币转换费

ahamard

看看visa的声明
Visa Inc. does not assess any fees to cardholders or merchants. Visa applies International Service Assessment (ISA) fees ranging from 0.15 to 1 percent to its financial institution partners for their use of the global payment system.

The fees are paid by financial institutions on transactions that require the use of our global infrastructure. Since Visa does not assess any fees to cardholders or merchants, we have no involvement in financial institution pricing to cardholders or merchants. If financial institutions or merchants decide to assess a foreign transaction fee to their customers, they are required to provide details to their cardholders and consumers.

简单地说，visa向合作的金融机构（银行）收0.15%-1%的货币交易手续费，然后银行把这个费用转嫁给持卡人或者商户。

天朝的银行收1-2%的转换费，而且全转嫁给了持卡人。谁说银行信用卡业务不挣钱的？

索倪哥

谁也冇讲过不赚钱，冇瞅大家拼命发吗？除了个别野鸡或小市民行以外

leasun

就是说银行能挣最多1.85个点？

ahamard

leasun 发表于 2012-7-12 16:43
就是说银行能挣最多1.85个点？

除此之外，visa的刷卡手续费好像是3%左右的样子，具体没查过
怎么着发卡行也能挣1%吧

leasun

ahamard 发表于 2012-7-12 16:45
除此之外，visa的刷卡手续费好像是3%左右的样子，具体没查过
怎么着发卡行也能挣1%吧

用小坏蛋的说法，信用卡是银行新的利润增长点……

liye521094

leasun 发表于 2012-7-12 16:47
用小坏蛋的说法，信用卡是银行新的利润增长点……

你想想，0.15%~1.00%，在某些银行竟然能收到2.00%

leasun

liye521094 发表于 2012-10-19 14:59
你想想，0.15%~1.00%，在某些银行竟然能收到2.00%

没办法，谁让咱需要这服务呢。