Recently, it was discovered that someone in the WeChat circle of friends released the "mobile phone pos machine" product, and the words "credit card cash, low commission, convenient and fast" appeared directly in the slogan. “Mobile POS Machine†is a fast mobile payment tool generated in the era of network information. It has the advantages of convenience, speed and efficiency, and has also been favored by a group of young people with strong acceptability and strong spending power. Its portability is convenient, no approval, low rates and other characteristics have attracted many credit card holders, and some mobile phone POS machines for the promotion also played a free slogan, but also was popular. On the Internet, some are more called "cash artifacts."
Through the author's understanding, it is learned that during the promotion of mobile phone POS machines, credit card cashing has become the biggest selling point. In the longest 56-day interest-free period, if the capital investment or emergency is set at a very small cost, it seems that the cardholders account for It's cheap. However, is there a danger of leaking personal information by using a mobile phone POS credit card? Is it suspected of breaking the law? Regarding the wave of credit card cashing brought by mobile phone POS machines, does the regulatory department pay attention to it?
The author finds that the promoters of mobile phone POS in WeChat are mostly sellers of Taobao, so the author searches for “mobile phone POS machine†on Taobao and finds that there are nearly 100 pages of products, the price ranges from a dozen yuan to several hundred yuan, among which the sales volume is high. More than 4,000 people have received the goods. Most of these products are marked with "0.49%, 35 yuan capping", "multi-merchant switching", "can brush all credit cards, real-time account" and other slogans, while the slightly higher price of mobile phone POS machines, "brushed 100,000. Repurchase machines and other preferential measures.
It is understood that this mobile phone POS machine is actually a business card-sized card reader, which can be inserted into the earphone hole of the smart phone, so that the mobile phone can be transformed into a POS machine, which can realize the living payment, the purchase of the train ticket, and the mobile phone recharge. , credit card repayment, transfer remittance, quick withdrawal and many other functions.
The author randomly opened a product called Feiqian payment. The customer service staff said that the mobile phone POS machine is very convenient to use. Just download the corresponding APP on the mobile phone, fill in the common mobile phone number, ID card information, and set the password to register. success. Click on the real name authentication to upload the personal ID card and the upper body photo of the handheld ID card, then select the quick withdrawal and upload the corresponding ID information, you can use it, and on the object of use, the individual can do it without having to operate By.
When the author asks if it is safe, the customer service staff replied that the funds are absolutely safe. They are the third-party payment companies approved by the central bank to collect the orders. According to the daily transaction volume, the central bank pays the deposit. If the funds go wrong, the central bank Use the margin to pay first. In terms of the rate, the author asked a number of merchants and found that the real-time arrival of the quick withdrawal, the working day transaction fee is mostly 0.75%, the holiday 0.78%, the lowest 100 yuan / pen; and the single card single stroke quota is 2 Between 30,000 and 30,000 yuan, the handling fee is 0.49% or 35 yuan. However, after becoming a senior certification, there is no limit. Of course, most merchants say that the maximum withdrawal is about 20,000 yuan.
According to the author's understanding, although there are functions such as paying for living and purchasing train tickets, many of the consumers who choose mobile POS machines are rushing to the credit card, and the promoters regard this as a big selling point.
Mr. Yang, the provincial capital, has stocks in his spare time, but his funds are limited. Especially when there is a chance to make a bottom-up, he always wants to get more money to expand his profits. I heard that after having such a mobile phone POS machine, he moved his mind. "I have two credit cards. I have a quota of 40,000 and 20,000. According to their single promotion of 20,000 yuan, I have cashed in more than 100 yuan for 60,000 yuan. I don’t say that the stock earns 10% in one month. It’s also worthwhile to earn 1%."
However, if you think that this is a "money-making road", trying to use mobile phone POS machine cash to invest in profit or solve the problem of capital turnover, it is a big mistake, because there are risks of neglect.
According to bank staff, credit card cashing generally has some commonalities in terms of card swiping amount, card swiping time, card merchant type and POS machine used. By identifying the above features, it is possible to determine which cardholders are using credit cards. Cash out activities. Once it is recognized by the bank as cashing, the cardholder will be dealt with by derating and other cards, and the amount will be investigated for legal responsibility.
For cardholders, some online mobile phone POS machines have no quality certification. The information security of consumers cannot be guaranteed. There is a danger of information security leakage. Once the property is lost, it is difficult to recover its own property. Big. In addition, the author consulted the industry insiders to learn that the cardholder's overdue credit card overdue will be credited to its credit file. If the malicious overdraft credit card cannot be repaid for the purpose of illegal possession, it may be suspected of posing a credit card fraud. China's law stipulates that the amount of fraud is less than 10,000 yuan and less than 100,000 yuan is a "large amount" in the crime of credit card fraud. Cardholders can be sentenced to fixed-term imprisonment of up to five years or criminal detention, and are 20,000 yuan to 200,000 yuan. Criminal penalties for fines below the yuan.
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