We can often see in the post or forum that some netizens ask such questions: use your ID card to do pos machine to brush your credit card, will it be checked by the bank? Is it bad for the card? And there are often a lot of enthusiastic netizens reminding us that they will definitely be checked and will be de-rated.
Netizens say this, most of the reason is that the pos machine clearing process is not understood, plus a little "practical guilty mentality" mental work. Today we will discuss this issue in detail.
First of all, let me introduce the POS machine credit card transaction clearing process:
After the card transaction, the funds will be unified into the UnionPay Reserve Account. On the second working day, the UnionPay Reserve Account will be remitted to the settlement account of each POS machine. It should be noted that the UnionPay will make a payment to the settlement account. That is to say, the UnionPay Reserve Account is like a wall between a credit card issuer and a settlement bank, and the information is blocked.
In addition, the POS machine pays the company, and the credit card is the bank. They belong to two different systems, and the information is not the same. The payment company does not know who the card holder is, and the bank does not know the owner of the POS machine. who is it. Having said that, everyone should understand that their POS machine will not attract the attention of the bank.
However, if the cardholder has malicious cash outings and overdrafts, it will cause the bank to pay attention. At this time, if the bank has the heart to check it, it can be checked. Therefore, it is very important to repay the card on time and reasonably.
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