[新聞] 消費低遭拒刷卡 卡友可檢舉
Ref. http://tinyurl.com/84j4u32
消費低遭拒刷卡 卡友可檢舉
2012-05-09 01:00|工商時報|記者張中昌/台北報導
刷卡好處不少,愈來愈多民眾開始以信用卡為主要支付工具,除了享延遲付款的好處,還
有機會賺額外紅利點數或現金回饋,針對有民眾因消費金額太低,被店員告知不接受刷卡
,金管會表示,根據銀行公會訂定的自律公約,明文規定特約商店不得因刷卡金額大小拒
絕持卡人刷卡消費。
根據統計,國內信用卡申辦及使用的趨勢仍持續上升,從最新數據來看,總流通卡數從
3,284萬張增為3,297萬張;總有效卡數則從2,089萬張增加至2,097萬張。簽帳金額方面,
3月有1,391億元,比2月成長89億元。
消費者刷卡比重成長,但部份民眾可能遇到特約商店以「人潮眾多」、「消費金額不高」
等理由,要求支付現金。金管會指出,這些都是可被檢舉的行為,最嚴重能將特約商店呈
報聯徵中心,取消其店內刷卡服務。
從過去檢舉案件來看,臨時性的展場最容易出現這類問題,不少參展廠商為了避免被收單
銀行收取手續費,減少自身收益,因此結帳時會禁止消費者刷卡,或要求額外再支付費用
,造成消費者權益受損。
金管會呼籲,負責收單的銀行機構,都應該主動約束特約商店,並且不定期抽查,看是否
有因金額大小拒絕持卡人刷卡,或將手續費轉嫁至消費者身上的情況;消費者也可注意本
身持卡權益,如果再碰到類似案例,可立即向收單銀行、消保會、銀行局申訴。
-
如果我遇到金額小不給刷,心情好的時候(要是心情不好呢~)我就打給銀行+聯合信用
卡中心檢舉了,多檢舉幾次,讓商家被聯徵註記違約行為也好,看他要換幾次商店名稱~
--
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