https://www.yahoo.com/finance/news/congress-trying-pass-bill-end-230534246.html Congress Is Trying To Pass a Bill That Will End Credit Card Rewards Programs
Naturally, the bill is unpopular with those whose interests lie in keeping the status quo. The most widespread claims are that the CCCA somehow would rob consumers of their credit card rewards and that the bill could put credit card security at risk. Neither is true. First, the components of the CCCA have nothing to do with rewards, which are actually determined entirely by the banks that issue cards, not the networks that process transactions. The CCCA does not change that structure. In addition, the $11 billion in projected swipe fee savings is less than 10 percent of the $138 billion in annual swipe fee revenue, thereby maintaining plenty of room for the cost of rewards and still not threatening the immense profits for the credit card behemoths. In other countries that have adopted swipe fee reform, credit card rewards have remained intact. For example, a decade after Australia adopted a similar policy, the Reserve Bank of Australia found that banks continued to offer rewards.
https://www.yahoo.com/finance/news/congress-trying-pass-bill-end-230534246.html Congress Is Trying To Pass a Bill That Will End Credit Card Rewards Programs bogey 发表于 2022-12-30 00:02
这位精神分裂了。这都能扯上中国。
https://thehill.com/opinion/finance/3762768-the-credit-card-competition-act-tackles-fees-that-hurt-consumers-and-small-businesses/
Naturally, the bill is unpopular with those whose interests lie in keeping the status quo. The most widespread claims are that the CCCA somehow would rob consumers of their credit card rewards and that the bill could put credit card security at risk. Neither is true.
First, the components of the CCCA have nothing to do with rewards, which are actually determined entirely by the banks that issue cards, not the networks that process transactions. The CCCA does not change that structure. In addition, the $11 billion in projected swipe fee savings is less than 10 percent of the $138 billion in annual swipe fee revenue, thereby maintaining plenty of room for the cost of rewards and still not threatening the immense profits for the credit card behemoths. In other countries that have adopted swipe fee reform, credit card rewards have remained intact. For example, a decade after Australia adopted a similar policy, the Reserve Bank of Australia found that banks continued to offer rewards.
交易费用是每个人出的。
这个n多年前就有了。
错，银行拿。1.9% 左右， network 拿 .3%左右， processor 拿0.2 %左右。 discover /Amex 除外，他们即时network 也是 issuer. 如果是 Apple Pay 也要从银行抽 0.15% 左右。 如果是 CoBrand 卡 比如 Delta, Amex 一般 给他们 revenue share ，大概 2%。
走火入魔了，得吃药
你是对的，我算得没有那么细。
2) 那 Apple 收的交易费用要不要禁？
分析的文章属于标题党。这个法案具体要求是，资产100B以上的银行（美国前30+银行），发行信用卡需要至少两个不同的网络，（关键）其中一个是在最大的两个之外（=Visa Mastercard）。简言之，每个大银行，必须发行Visa/Mastercard之外的信用卡 这个法令能否通过，很难确定，即使通过了，是否起实质改变，也很难讲。对American Express，Discover利好，对Visa MasterCard利空。是否会引起Reward巨大变化，那也未必，事实上，Amex或许会增大力度借机获取更多客户