I can't. Because POS machines and credit cards are all accounts in their own names, they are easily found by banks. Once found, it is deemed as cash. It is illegal to cash a credit card. The light cash amount will be reduced, and the heavy cash will be blocked.
Banks generally have monitoring data of each customer's consumption in the background. Once the cashing behavior is verified, the card will be blocked or reduced, and may even be included in the personal credit information system. In addition, if it is a fixed merchant pos, don't brush more. It is unreasonable for a credit card to spend many times in one place. If it's code skipping or optional pos, the credit card bill will only show the name of the merchant when swiping the card.
"The principal of each credit card refers to the part of the principal that needs to be repaid in each period, that is, the installment amount that needs to be repaid every month. It usually does not include the interest, handling fee or annual fee generated during the current credit card use. You need to consult the issuing bank of the credit card for details. For example, if you apply for 3000 yuan in six installments, then the installment principal of each installment is 500 yuan. In addition to the principal, there will be an installment fee, which will also be shown on the bill. At the same time, we should know that the installment fee of credit card refers to the installment fee, which is generally deducted in each period. Some banks deduct all handling fees at one time in the first phase. Usually, the handling fee per installment = total installment amount × handling fee rate per installment. The total installment principal is amortized monthly, and the balance is included in the last installment. At the same time, record the amount of each period and the handling fee of each period.
The difference between credit card and debit card
The following is the difference between the two cards: 1. Credit card is a consumer credit product, which is paid after consumption, while debit card is used after deposit; 2. Credit cards can be overdrawn, but debit cards cannot be overdrawn; 3. Credit cards have revolving credit lines, but debit cards don't (revolving credit refers to the credit line approved by the bank for the cardholder, and the debts used by the cardholder within the credit line need not be fully repaid, so a good credit record can be maintained only by stipulating the minimum repayment amount, and the credit line of the cardholder can be reused); 4. If the credit card holder needs to repay in full before the final repayment date, the shopping consumption can enjoy an interest-free repayment period;
5. Credit card deposits do not bear interest, and debit card deposits bear interest at the savings rate; 6. Credit card belongs to asset business and debit card belongs to liability business;
7. The issuance of credit cards needs to meet the relevant conditions (such as the situation of the work unit, the evaluation of repayment ability, the review of personal credit records, etc.). ), and debit cards only need to have an ID card;
8. Credit cards have anti-counterfeiting logo and UnionPay logo, while debit cards only have UnionPay logo. "
Can I swipe my credit card on the pos machine?
Credit cards can be swiped through pos machines, and spending by swiping through pos machines is the way to cancel credit cards.
However, it should be noted that you can't use your own pos machine to swipe your credit card, because such an operation may involve illegal cashing. Illegal cashing refers to changing the use of funds through false transactions and using the cashed funds for illegal purposes. This will not only disturb the normal financial order, but also have a serious impact on the credit history of cardholders.
Extended data; Pos machine classification
By means of communication
1. Fixed POS machine
Advantages: 1, convenient software upgrade and maintenance; 2, network dialing mode, fast dialing speed; 3. It is easier to clear POS transactions.
Disadvantages: online operation is required, and guests need to pay at the cashier.
Merchants suitable for integrating transformation projects.
2. Wireless POS machine
Advantages: 1, wireless operation, free payment place; 2. Small size.
Disadvantages are: 1, unstable communication signal; 2. Data is easily lost; 3. The cost is high.
Applicable to the type of merchants who collect money at the guest's residence.
Through print mode
1. thermal POS machine
Its advantages are high printing speed, no noise during printing and low cost of consumables.
Disadvantages are: the purchase order has a short shelf life and is easily affected by the environment. Suitable for general merchant types.
2.pin POS machine
Advantages: the purchase order is kept for a long time and is not easily affected by the environment.
Disadvantages are: high printing noise and high cost of consumables.
Suitable for general merchant types.
3. Install a POS machine.
Advantages: long shelf life of purchase orders, not easily affected by the environment, and beautiful appearance.
Disadvantages are: the cost of consumables is the highest; The printing speed is slow.
Suitable for hotels, hotels, department stores and other large enterprises.
According to its model classification
1. handheld POS machine. Small size, easy to move, quick operation with single key, no need to remember and input multiple item numbers.
2. Desktop POS machine. It is larger and more functional than the hand-held POS machine.
3. mobile phone POS machine. According to the operation mode, it is divided into mobile phone external device card reader and mobile phone dedicated POS machine.
Mobile phone external device card swiping machine
Advantages: 1, easy to carry around; 2, small size; 3. Low cost.
Disadvantages are: 1, which requires external equipment; 2. Slow data transmission; 3. The arrival time is slow; 4. The credit card limit is low.
Special POS machine for mobile phone
Advantages: 1, without external equipment; 2. Convenient and portable; 3. Be able to transfer money across banks; 4, the arrival time is fast; 5. The credit card amount is large; 6. High safety performance.
Disadvantages: 1, no bill printing function; 2. The cost is high.
operating system
1.Windows POS machine
Most POS machines in the market adopt WindowsEmbedded system based on WindowsXP.
Advantages: the system is universal and convenient to use near the computer.
Disadvantages are: poor system stability, poor security and high development cost.
2. Android POS machine
Usually based on Android system, the application of POS machine is deeply optimized, which is the highest level system representing POS machine industry.
Advantages: high stability, no crash, no blue screen, low development difficulty, strong software compatibility and wide function expansion.
The disadvantage is that as an emerging system, the penetration rate needs to be improved.
Will swiping your credit card affect the pos machine?
As long as it is a regular POS machine, there is no problem with your usual card swiping method, and it will not affect it.
It is recommended not to take it in whole, such as 5000 1000 15000.
Correct: for example, 5000, you can arrange numbers such as 4998 or 50 10, as long as they are not integers.
Don't take the same amount: for example, if you take 2800, take 2800 next time, and take 2800 next time.
In this case, it may be classified as an unsafe card user, resulting in a small withdrawal amount or a cash withdrawal prompt for a long time!
Pos machine
POS(Pointofsales), which means "point of sale" in Chinese, is called point of sale information management system. It is a terminal reader equipped with bar code or OCR code technology, which has the function of cashier in cash or barter bank. Its main task is to provide data services and management functions for commodity and media transactions, and to carry out non-cash settlement.
POS is a multifunctional terminal. It can be installed in special merchants and acceptance outlets of credit cards, and connected with computers to realize automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer, and is safe, fast and reliable to use. It is difficult to obtain basic business information for bulk transactions, and the introduction of POS system is mainly to solve the blind spot of retail information management. An important part of chain branch management information system.
Does it matter if you swipe your credit card with your own pos machine?
The two premises have no influence, the POS machine introduced by the payment company with formal payment license. It can't be the so-called low-interest POS machine with jump code by unscrupulous payment companies. Every consumption is a real merchant, which has no influence on credit cards, and for users with good habits, they may mention cards.
: the flow of funds after swiping the card:
1. First of all, they all flowed into the UnionPay reserve account. Wait until the next day, that is, after the second working day, these accounts are settling the amount for the merchants of pos machines. This is actually like a wall, blocking the information of both sides. In other words, there is no connection between the credit card issuer and the settlement bank, and neither party can see the transaction information of the other party. Generally speaking, pos will automatically assign us a merchant, that is, the system will automatically match us after swiping the card. Generally speaking, they are businesses with points, such as restaurants, entertainment and hotels, which are well known. In this case, it is of great help to Ting Er, because the information received by UnionPay and the bank shows that the consumption of these cardholders is real consumption, with high points, which is of great help to Penguin. In this case, you don't have to worry about this or that at all, just hold the card brush.
2. Credit cards belong to bank cards, but pos machines belong to third-party payment companies, and information does not flow between them. In other words, the bank can't see who is the owner of the pos machine at all, and the payment company doesn't know who is the cardholder. So it is no problem to swipe your credit card with your own pos machine. But when you swipe your card, you must remember one thing, that is, when looking for machines, you must look for those clean machines, and never look for those messy machines. In that case, the harm will be great. For example, if you spend money here sometimes, you will spend it there on his bill, and this will happen. For example, you slept in a hotel for one night, but the bill was printed out, and you spent some medicine in the hospital. This seems very wrong, so try not to do so to avoid unnecessary danger, and don't let the bank's risk control system catch you.
Let's stop here for the introduction of the influence of swiping credit cards with pos machines.