What is a low zero rate purchase? What does China Mobile minimum spend mean?

What the bank calls 'low neckline rate' is the amount of money spent at one time. Compared with other credit cards, the annual fee may be a little cheaper when opening an account. (There are a lot of cats in the credit card points, and they will verbally promise you a lot of preferential policies when you open an account, and the points can be exchanged for very good things, and when you actually operate, you will feel a feeling of being deceived).

The so-called deduction rate refers to the handling fee paid by the special merchant to the card issuer according to a certain proportion of the transaction amount according to different industries after accepting the credit card consumption settlement.

A low zero deduction rate means that there is little or no handling fee.

At present, BOC has updated the "BOC Bonus Points 365 Points Reward Program Rules and Terms" and publicized it, which has clearly stated that "items that are not eligible for the accumulation of transaction points" have been clearly stated, and you can log in to the official website at any time to view.

The above content is for your reference, and the actual business regulations shall prevail.

Handle related business.

Some purchases of Bank of China credit cards do not accumulate points.

The points that are not accumulated for consumption are as follows:

1. The interest and handling fees stipulated in the BOC Credit Card Articles of Association or the Subscription Agreement, including but not limited to credit card annual fee, cash withdrawal fee, overdraft interest, late fee, overlimit fee and other credit card charges.

2. Credit card transfer, deposit (repayment), deduction, payment, credit balance return and Great Wall credit card cash withdrawal, etc.

3. Merchant consumption with low or zero deduction rate, including but not limited to real estate, automobile sales, wholesale transactions, public hospitals, public schools, services, charity and public utilities, etc.

12 points means 12%, for example, the retail price yuan, there is a gross profit of 12 points, then the cost is.

The supply price is. , the guaranteed profit of 3 pips is ,. That is to say, your supply price must be reached, and then reduce by 3 cents, **** for, in order to ensure the profit of 3 stores in the supermarket.

There is a big difference in the meaning between the cost in the eyes of economists and the cost specified in the accounting account, that is, the economic cost and the accounting cost. Every business has its own accounting account, which records the actual expenses incurred by the business in the course of production and operation over the past period, and these expenses are known as accounting costs.

Accounting costs are often used to review and evaluate past economic behavior. The purpose of economists' cost analysis is to examine the decision-making of enterprises, and then analyze the results and efficiency of resource allocation, so the use of cost in economics focuses on measuring the cost of resource allocation for different purposes. This involves the concept of opportunity to use a resource or to make an option to forgo an opportunity, i.e. opportunity cost.

To put it simply, use your **selling price-special price**selling price*100% This applies to supermarkets Your profit point is, use your **selling price-special price*100%. This is a profit point of 3% for manufacturers. Depends on which angle you're standing.

Let the supply price be x,(, the solution of the one-yuan one-time equation is x=, that is to say, to ensure that the supermarket reaches a profit of 3 points, then the supply price can only reach the highest yuan.

This means that you need to use at least 20 yuan per month.

The so-called minimum consumption is to limit you to spend at least 28 yuan a month, and at the end of the month, the last day of the road will not consume enough to deduct 28 yuan, and then return 6 yuan is also returned at the end of the month, for example, at the end of the month, you have shared 20 yuan this month, it is useless, at the end of the month, you will be deducted 8 yuan, and then return you 6 yuan, that is, you also need to deduct 2 yuan, I hope to help you, hope to adopt.

Direct deduction of 28 but return of 6 yuan is equivalent to consumption of 22 yuan directly deducted.

Direct deduction 28

If the consumption is not enough 28, 28 will be deducted, and the additional will be deducted.

This kind of ** is better to play more**, otherwise it will be a loss.

Taking Henan users as an example, the minimum consumption is divided into two types: basic ** fee and minimum consumption promised by marketing activities. If the mobile phone has a marketing campaign that promises a minimum consumption, the monthly consumption must reach the minimum consumption commitment, and if you do not spend enough at the end of the month, the full amount will be paid.

The minimum consumption does not include special tariffs (mobile phone payment, cooperation and other business expenses).

The basic fee can be changed to reduce the minimum cost; The campaign promises a minimum consumption of content, which will automatically end when the campaign expires.

The account to which the points are attributed:

The points accumulated for all purchases under the name of the principal cardholder and the supplementary cardholder shall belong to the principal cardholder's points account and can only be used by the principal cardholder.

The points of the personal card and the personal commercial card with which the China Merchants Bank credit card has accumulated permanent valid points are calculated together.

Car Cards, City-themed Gold Cards, Jiuyou.com Co-branded Cards, Warcraft Cards, ThinkPad Credit Cards, QQ Member Co-branded Cards, Kaixin.com Co-branded Cards, and American Express Cards accumulate exclusive points, and cannot be combined with points from other cards.

Gloria Hotels & Resorts co-branded cards earn partner points, and airline co-branded cards earn partner miles.

We do not judge whether you can earn points based on what merchant you are trading or what you buy, but according to the type of account registration to verify, so we can't estimate for you what type of merchant you are trading before you trade, it is recommended that you can confirm with the merchant or wait for the merchant to settle and we will check for you. According to the points rules of China Merchants Bank, some items will not be counted as points:

1. Annual fee of credit card, revolving credit interest, handling fee and interest of cash advance, fees and charges arising from overdue payment (such as liquidated damages, interest), and other handling fees as agreed in the Credit Card Subscription Contract of China Merchants Bank;

2. Relevant fees paid through withholding and payment; 3. Consumption of low-rate and zero-rate merchants, including but not limited to real estate, automobile sales, wholesale, public hospitals, public schools, **, finance (insurance, investment), charity, resident services and non-profit social services;

4. Other projects separately designated by China Merchants Bank.

According to the information you provide, the monthly fee is the basic monthly fee for mobile phones, that is, the ** tariff; The minimum consumption amount refers to the grant, except for the grant, and the current month's consumption includes all expenses such as "monthly rental fee, voice, data fee, value-added business, international business", etc., please understand.

I am a mobile professional staff, the monthly rent is your function fee, such as the Shenzhou Xingjia home card CRBT version, the monthly function fee is 7 yuan, free caller ID and CRBT, the minimum consumption is 10 yuan, that is, you play**, send messages, surf the Internet** and so on, if you can't play 10 yuan according to 10 yuan charged, plus the function fee is 17 yuan, if you exceed 10 yuan, for example, your phone fee is used 20 yuan, that is to charge you 27 yuan.

The monthly rent is the ** cost you spend for a month, such as caller ID 3 yuan, traffic **10 yuan, a total of 13 yuan.

The minimum consumption is that you will deduct the money if you use it for a month.

The minimum cost can include the monthly rent, but the monthly rent has nothing to do with the minimum spending.

The monthly rent is the monthly rent and does not represent the minimum spending.

But in the minimum consumption, there is a monthly rent! If your monthly rent is 20 and the minimum monthly spend is 30, then you only need to spend 10 on top of your monthly rent!

Monthly rent: A ** has to pay so much money if you don't fight.

Minimum consumption: It is the least deduction of your minimum consumption money, but the time t = minimum consumption unit yuan for gifting you.

For example, the minimum consumption is 20 yuan per minute, which means that the minimum consumption is equivalent to giving you free minutes.

The monthly rent is the monthly rent and does not include the minimum spend.

The minimum spend is the minimum amount to be spent each month.

**Monthly fee: refers to the monthly fee paid by telecom users to the telecom department due to the occupation of the call resources of the telecom department.

Minimum consumption: refers to the sum of monthly fees, ** fees, normal communication fees, and business fees provided by SMS, Internet access and various mobile services, which must be equal to or exceed the specified consumption limit each month, otherwise it will also be deducted according to this minimum consumption limit.

The difference between the two is that the monthly fee is directly deducted and does not include any other usage fees, while the minimum consumption only stipulates the consumption amount that must be reached each month.