刚刚收到联邦银行的email。 这是银根越来越紧了吧！？？？

huang89

Dear

As you may be aware, last year the Reserve Bank of Australia introduced regulations impacting American Express Cards issued by banks. In response, we have reviewed our Awards credit cards and from 1 November 2018, we’ll be closing all our CommBank issued American Express Cards.
What this means for you
From 1 November, you’ll no longer be able to use your Diamond Awards American Express Card1 ending in 2269. To prepare for this, if you have any regular payments, direct debits, transfers, or future travel bookings where you’ve used your American Express Card to hold the booking, please ensure these are changed to your Mastercard by this date.
Until then, you can continue to use your American Express Card as you normally would with no change to the points earned per $1 spent or to the benefits you currently receive.
There'll be no change to the benefits on your Mastercard
You’ll continue to earn 1.25 Awards points per $1 spent using your Mastercard, which is accepted at over 43 million business locations2 worldwide, making it easy to earn points. There'll be no change to the points you've already earned or to your annual fee,3 and you can continue to enjoy all your benefits including international travel insurance when you activate your cover in NetBank or the CommBank app before you travel.4

We're here to assist you
We’ll contact you again before 1 November to remind you about this important change. In the meantime, you can find out more at commbank.com.au/amexclosure or contact your Relationship Manager.

Yours sincerely,
Commonwealth Bank

pandababy

隔壁生活板塊有討論了

iLeac

应该是amex不跟银行合作了，westpac黑amex已经关了

ANDERXON007

AMEX的问题，

不受欢迎，

好像和银根没关系

拿着AMEX到处都不收，赶紧地扔了。

手续费那么高，很奇怪，我的终身免年费的金卡，扔了好多年了

请勿随地吐痰

anz的去年就没了。

邪恶的瘦子

现在好多地方都收AMEX而且也没多的surcharge，我都好久没用MASTER卡了。少数地方VISA，MASTER收手续费。更有地方EFTPOS都收SUCHARGE我也醉了。

nylltznylltz

CBA Amex唯一的好处就是免除外币兑换费，现在既然这样了正好我好去剪卡，CBA的积分简直就是一坨屎

mankind

邪恶的瘦子 发表于 2018-6-15 16:45
现在好多地方都收AMEX而且也没多的surcharge，我都好久没用MASTER卡了。少数地方VISA，MASTER收手续费。更 ...

就是

逆鳞龍

iLeac 发表于 2018-6-15 16:20
应该是amex不跟银行合作了，westpac黑amex已经关了

那不是四月重启得新卡计划，又关了？

逆鳞龍

邪恶的瘦子 发表于 2018-6-15 16:45
现在好多地方都收AMEX而且也没多的surcharge，我都好久没用MASTER卡了。少数地方VISA，MASTER收手续费。更 ...

统统可以举报的

kennex

逆鳞龍 发表于 2018-6-16 07:51
统统可以举报的

怎么举报？

逆鳞龍

kennex 发表于 2018-6-16 08:10
怎么举报？

保留好收据到ACCC那里

pandababy

kennex 发表于 2018-6-16 08:10
怎么举报？

https://www.accc.gov.au/consumer ... aid-card-surcharges

投訴先看這個網頁

聊天灌水

因为银行不能把成本转嫁给客户了，所以没法再接amex的业务了

maxmartin

amex的问题

weekends

高手续费连costco都不收，真是够讽刺的，米国大超市不收米国信用卡，呵呵

rchan29

逆鳞龍 发表于 2018-6-16 07:51
统统可以举报的

收成本是没有问题的

melmonash

逆鳞龍

rchan29 发表于 2018-6-16 11:49
收成本是没有问题的

保留1%，针对常见几类卡，不过Amex自发的不算在内。1.5%，2.5%的手续费都违法规定了

px8

这个跟银根有啥关系。

nis5

Amex这玩意本来是给business的

milanmengxiang

逆鳞龍 发表于 2018-6-16 11:57
保留1%，针对常见几类卡，不过Amex自发的不算在内。1.5%，2.5%的手续费都违法规定了 ...

商家只要收不超过他们成本的Surcharge就不违法，Eftpos公司收每个商家的费用都不一样，不是都是1%的。不能想当然

逆鳞龍

milanmengxiang 发表于 2018-6-22 19:46
商家只要收不超过他们成本的Surcharge就不违法，Eftpos公司收每个商家的费用都不一样，不是都是1%的。不 ...

这个成本不是他们说了算，你自己去看看规定链接上的要求再说，要知道这是在17年7月1号后统一调整后的，另外EFTPOS机有EFTPOS的费用和发卡信用凭证机构费用完全不牵扯

pandababy

今天跑去一個韓國剪頭髮的地方，收2刀surcharge，如果剪一個頭髮25刀就等於8%，轉頭就走了

milanmengxiang

逆鳞龍 发表于 2018-6-22 20:32
这个成本不是他们说了算，你自己去看看规定链接上的要求再说，要知道这是在17年7月1号后统一调整后的，另 ...

不好意思没有看懂你想表达什么，上面有人把ACCC的规定放上来了，写得很清楚。你能否清楚点表达你想说的呢

逆鳞龍

milanmengxiang 发表于 2018-6-27 19:52
不好意思没有看懂你想表达什么，上面有人把ACCC的规定放上来了，写得很清楚。你能否清楚点表达你想说的呢 ...

你没看内容吗？

逆鳞龍

逆鳞龍 发表于 2018-6-27 20:03
你没看内容吗？

你没留意去年公布关于此的英文新闻吗？

satellite2019

和银根没关系

bluesknight

逆鳞龍 发表于 2018-6-22 20:32
这个成本不是他们说了算，你自己去看看规定链接上的要求再说，要知道这是在17年7月1号后统一调整后的，另 ...

是你自己没仔细看链接的内容吧。。。

Typical surcharge costs
The RBA standard allows businesses to charge their customers a cost-based surcharge on card payments, but any surcharge will be limited to the amount it costs the business to accept that type of card for that transaction. Businesses incur costs when they accept a payment from a customer using a credit card, a debit card or a prepaid card. The level of those costs can vary according to the size of the business and which payment method is used.

The RBA has said that as a guide, payments through the domestic eftpos system (used to process payments from debit cards) are usually quite low, mostly below 0.5 per cent. Accepting a Visa or MasterCard debit transaction may cost a business around 0.5 -1 per cent of the transaction value.

Credit cards usually have a higher cost for businesses, and may cost the business up to 1-1.5 per cent for Visa and MasterCard, and between 1.5-2 per cent for an American Express card payment.

It is important to note that different businesses have different costs of acceptance. In general, smaller merchants' costs may be higher than these indicative figures.

不同商家不同卡不同银行收的手续费都是不一样的，只要商家没有在银行收的手续费之上额外收取就是合法的，并不是说超过1%一定就违规。

gcc

nylltznylltz 发表于 2018-6-15 17:00
CBA Amex唯一的好处就是免除外币兑换费，现在既然这样了正好我好去剪卡，CBA的积分简直就是一坨屎 ...

请问哪个卡积分好一点呢？