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Bí mật đen tối về tích lũy điểm thưởng thẻ tín dụng
05 Mar, 2023
hoàn tiền 5% chi tiêu nhà hàng, khách sạn -> chỉ có người giàu,
ngân hàng tính phí 2%-2,5% tất cả các giao dịch, và người bán "chuyển" hết phí này sang người mua -> người nghèo phải chi nhiều hơn cho mọi hàng hóa, dịch vụ họ mua, và chẳng mấy khi đạt được thưởng,
-> có thể nói, tích lũy điểm thưởng là ngân hàng "cướp của người nghèo chia cho người giàu"
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Credit card perks for educated, usually urban professionals are being subsidized (trợ cấp) by people who have less. In other words, when you book a hotel room or enjoy entry to an airport lounge at no cost, poor consumers are ultimately footing the bill.
Demand for rewards is only going up. In 2016, Chase launched its Sapphire Reserve card. The card comes with perks, bonuses and points multipliers that for big-spending travelers and diners are worth far more than its steep $550 annual fee. There was so much initial demand that Chase ran out of the metal slabs it prints the cards on. Sapphire’s enormous success set off a credit card perks war, with numerous banks flooding the market with sign-on bonuses worth thousands of dollars.
In 2022, the Federal Reserve published data showing that the cost of rewards, as a share of total transaction volume on credit cards, increased 25 percent from 2015 through 2021.
interchange fees, or the money it costs merchants to accept noncash payments.
The United States now has some of the highest credit card processing costs in the world, typically at 2 percent to 2.25 percent of every purchase. This is eight to nine times as much as the prevailing swipe fee in the European Union. The vast majority of merchants pass these costs on to consumers by charging more for their products — regardless of how one pays.
The result? Lower-income consumers are forced to pay higher prices on the goods they buy, but they rarely receive any benefit from rewards programs, according to the Federal Reserve, which has been tracking the distributional effects of card rewards. Its December 2022 report estimates an annual redistribution of $15 billion in rewards value from poorer people to richer people, from low-education people to highly educated people and from diverse communities to less diverse communities.
Tags: finance
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