刷信用卡可創造四贏局面? - 信用卡
By Quanna
at 2020-05-26T08:34
at 2020-05-26T08:34
Table of Contents
用信用卡的時間已經超過十幾年了,手上持有過的卡片(包含剪卡)已經超過百張,只要可
刷卡的地方一定刷卡不付現金,這是我的消費原則!
撇開一些提供信用卡服務的小商家(會被抽成降低店家收益)不討論,針對大型連鎖商店、
超市、
餐廳等等,不刷信用卡用現金付款只會讓商家賺更多啊!
那為何會創造四贏局面呢?
(以下針對大型連鎖店家來討論,付現跟刷卡均一價)
讓我們從幾個不同角度來看:
1. 消費者(刷卡者)
2. 店家/商家(提供刷卡服務)
3. 銀行端(提供刷卡機)
4. 政府端(營業稅收入)
實例:
當消費者到連鎖餐廳用餐消費1000元,付款時使用有1%現金回饋的信用卡,這樣會產生什
麼效益呢?
分析:
1. 消費者 --> 花了1000元,但是因信用卡回饋省10元,實際成本990 (跟付現金比較有
省到的感覺 XD)
2. 店家/商家 --> 收了餐費1000,但會被銀行端抽2%(假設值),實拿980 (可增加希望有
刷卡服務的客源)
3. 銀行端(提供刷卡機) --> 跟店家抽取2%服務費(假設值)20元,當然刷卡組織(VISA、M
aster、JCB)會跟銀行再收一筆服務費
4. 政府端 --> 跟開發票店家收取營業稅
這樣看起來算是創造四贏局面吧,至少一次消費帶動了四面向的現金流!
後記:
主要是目前政府正在討論振興卷,新聞說消費1000可以使用3000,我是覺得很類似消費10
00元給2000回饋,但此2000回饋不能折現只能再次折抵消費,有沒有似曾相似的感覺?
有在注意銀行刷卡活動的就知道,這不就是很類似銀行端常常推出的刷卡回饋活動嗎?我
們政府把他用到淋漓盡致 XD,希望能帶動經濟了,幫商家度過難關!
--
刷卡的地方一定刷卡不付現金,這是我的消費原則!
撇開一些提供信用卡服務的小商家(會被抽成降低店家收益)不討論,針對大型連鎖商店、
超市、
餐廳等等,不刷信用卡用現金付款只會讓商家賺更多啊!
那為何會創造四贏局面呢?
(以下針對大型連鎖店家來討論,付現跟刷卡均一價)
讓我們從幾個不同角度來看:
1. 消費者(刷卡者)
2. 店家/商家(提供刷卡服務)
3. 銀行端(提供刷卡機)
4. 政府端(營業稅收入)
實例:
當消費者到連鎖餐廳用餐消費1000元,付款時使用有1%現金回饋的信用卡,這樣會產生什
麼效益呢?
分析:
1. 消費者 --> 花了1000元,但是因信用卡回饋省10元,實際成本990 (跟付現金比較有
省到的感覺 XD)
2. 店家/商家 --> 收了餐費1000,但會被銀行端抽2%(假設值),實拿980 (可增加希望有
刷卡服務的客源)
3. 銀行端(提供刷卡機) --> 跟店家抽取2%服務費(假設值)20元,當然刷卡組織(VISA、M
aster、JCB)會跟銀行再收一筆服務費
4. 政府端 --> 跟開發票店家收取營業稅
這樣看起來算是創造四贏局面吧,至少一次消費帶動了四面向的現金流!
後記:
主要是目前政府正在討論振興卷,新聞說消費1000可以使用3000,我是覺得很類似消費10
00元給2000回饋,但此2000回饋不能折現只能再次折抵消費,有沒有似曾相似的感覺?
有在注意銀行刷卡活動的就知道,這不就是很類似銀行端常常推出的刷卡回饋活動嗎?我
們政府把他用到淋漓盡致 XD,希望能帶動經濟了,幫商家度過難關!
--
Tags:
信用卡
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