Should come or must come, like to use Alipay still Credit Card Our friends have noticed: 2019 From March 26, service fees will be charged for repayment of credit card through Alipay. The era of free is over, and the new rules of Alipay are coming. If you have credit cards, please read them quickly.
from two thousand and nineteen From March 26, 2006, the credit card exchange service of Alipay began to charge. According to the Announcement on Adjustment of Credit Card Repayment Service Rules issued by Alipay last month, it is officially implemented today. When users use Alipay for credit card repayment, there is a basic free limit of 2000 yuan per month. The service fee will be 0.1% (minimum 0.1 yuan) for the part exceeding the free limit 。 To put it simply, if you pay back the credit card with Alipay, it will still be free within 2000 yuan. If you pay more than 2000 yuan, you will be charged a service fee of 0.1%. If you want to repay 10000 yuan, you need to pay an additional 8 yuan after deducting the free amount. The basic free repayment amount of RMB 2000 is paid in a natural month, that is, at 0:00 on the first day of each month. The unused free repayment amount of the current month is cleared at 23:59:59 on the last day of each month, and cannot be accumulated to the next month. If users need to increase their free quota, they can redeem it through Alipay member points. It should be noted that if you are used to money Put it in Yu'e Bao and pay back the credit card. You can withdraw the money from Yu'e Bao to your own Debit Card In China, use online banking to repay credit cards for free. If you pay back the credit card directly with the money from Yu'ebao in Alipay App, you should follow the new repayment rules, that is, RMB 2000 is free of limit, and the excess part is charged at 0.1%.
Why start charging? In fact, long before Alipay announced the charge for credit card repayment, WeChat The charging standard has been adjusted twice. In July last year, WeChat announced that since August 1, 2018, each WeChat credit card repayment will be charged at 0.1% of the repayment amount (the amount of the service charge is calculated to two decimal places, the minimum is 0.10 yuan). As for the above changes in the service charge standard, WeChat explained that each repayment will generate a service charge for the payment channel. In order to enable users to enjoy part of the free product experience, Tencent Tencent Tenpay has been investing costs to subsidize the service charge. In recent years, with the rapid development of credit card repayment business, the cost of channel fees is also growing rapidly. Like WeChat's charge for credit card repayment, Alipay said on February 21 that the reason for the charge was "the rapid rise of comprehensive operating costs", and the adjustment of the service rules for credit card repayment was to reduce some cost pressure.
The repayment of WeChat credit card began to charge at the end of 2017. In November 2017, WeChat announced that since December 1, 2017, WeChat will charge 0.1% (minimum 0.1 yuan) for the part of each user whose cumulative repayment amount exceeds 5000 yuan per calendar month, and no service charge of any form will be charged for each user whose cumulative repayment amount is less than 5000 yuan per month. same ID A number of WeChat accounts share a free quota of 5000 yuan per month. In July 2018, WeChat officially announced:
1. From August 1, 2018, each repayment will be charged at 0.1% of the repayment amount (the amount of service charge will be calculated to 2 decimal places, the minimum is 0.1 yuan)
2. The service charge is paid together with the repayment amount when the user makes repayment.
3. Activities such as random fee reduction will be launched in succession.
The official explanation of WeChat is as follows:
Because each repayment will generate a service charge for the payment channel, Tencent Tenpay has been investing costs to subsidize the service charge. In recent years, with the rapid development of credit card repayment business, the cost of channel fees is also growing rapidly. However, since August 1, 2018, the credit card repayment service fees of platinum and gold members of Wealth Management Link will continue to enjoy the full exemption policy, and users who have transferred more than 500 yuan in the "Love Investment Plan" can continue to enjoy the free repayment service. According to the classification criteria of the members of Financial Connect, Financial Connect establishes four member levels, namely platinum, gold, silver and ordinary, according to the asset accumulation of users on the platform, and provides users with different types of exclusive services for members according to the different needs of members of different levels on the platform of Financial Connect.
Roughly speaking, if you want to reduce or exempt the service charge of credit card, ordinary users can purchase more than 100000 wealth management products in Wealth Management. In addition, you can also use the method of fixed transfer of 500 yuan into "Aiding Investment Plan" to avoid the service charge. Some insiders said that this was obviously because Tencent wanted to attract funds from Tencent Financial Connect. It had repeatedly made charges and WeChat wanted more funds to flow within its own system. Get to know about the free way.
As there are many credit card repayment channels, there are still many free cakes.
1. In Alipay, if a user returns a credit card that exceeds the free limit of 2000 yuan and does not want to be charged, he can choose the following two ways: one is to exchange Alipay member points for more free limits; Second, please ask your family members who have extra free amount to help with the repayment.
2. Online banking Mobile APP The bank's online banking and apps also issue their own credit cards for free. Many banks' apps, such as China Merchants Bank, China Construction Bank and Guangfa, also support repayment of other banks' credit cards without charge.
3. UnionPay cloud flash payment, such as UnionPay cloud flash payment, can also repay credit cards, and there is no service charge.
4. JD Finance, if you are a JD white-collar user, JD Finance App is also an option. At present, JD Financial is completely free to repay credit cards. Its repayment interface experience is similar to Alipay, and it also supports functions such as credit card bill query.
5. In other platforms, after Alipay Relay WeChat announced to charge for credit card repayment service, some online finance The platform also promotes the corresponding business. The promotion page of Suning Finance shows that there is no service charge for using Suning Finance to repay the credit card. At present, it supports 45 mainstream banks to repay the credit card. 51 The credit card side said that the free repayment limit of the 51 credit card steward who manages the credit card billing platform is 20000 yuan. In addition, through savings deposit card Automatic repayment by appointment can still enjoy free repayment service.
The era of free is over? WeChat and Alipay have successively charged for "credit card repayment", which has again triggered concerns about " internet Whether the service has entered the era of charging. In the past few years, more and more services on the Internet have begun to charge. According to the survey of the National Copyright Administration of China, in 2017, paid content accounted for almost half of Internet content. Users began to become accustomed to charging fees. The third quarter financial report of iQIYI showed that the number of iQIYI members reached 80.7 million, an increase of 89% year on year. Membership fees accounted for 41% of its revenue, while the former pillar advertising revenue accounted for 34%. Industry insiders said that there is no eternal free mode in any industry. In a fully competitive market, whether the service provided by enterprises is worth paying for depends ultimately on whether the service provided by enterprises is worth paying for, and the level of charging will become reasonable in the competition.
