Oct 19 2011, 06:21 PM
QUOTE(rainy~days @ Oct 19 2011, 02:49 PM)
Lowyat shops, they will sell A77 following retail price... but they exploit on the loophole with their usual selling system, you can ask them to give discount base on credit-card transaction commission the bank going to charge the merchant.
they deduct transaction commissions from bank to merchant, giving extra discount which is up to 8%~10% for product with 0% interest payment plan, bank can charge merchant extra 10%...
if u buy computer stuffs at lowyat shops with creditcard, you can expect then ask you to bear bank transaction commission 3%.
Problem 1 - If sell at Retail price, waffor I buy? I wait for my supplier to have stock and grab at street pricing la? they deduct transaction commissions from bank to merchant, giving extra discount which is up to 8%~10% for product with 0% interest payment plan, bank can charge merchant extra 10%...
if u buy computer stuffs at lowyat shops with creditcard, you can expect then ask you to bear bank transaction commission 3%.
Problem 2 - Impossible can give until 8% - 10% discount. Coz bank only charge them like 1,3%~~" Unless they using *special merchant which charges 8% for CC (Amex not counted la)*
Problem 3 - Interest charged by bank, can't be charged back to customer. If you rajin, make a call to your bank's CC issuer or the Terminal provider and complain bout chargeback. If got evidence, your 8% will be refunded.
Problem 4 - So far, CC only charge 2%, 3% consider alot liao.
*Sorry, I've been using CC and charging terminals at my workplace long enough to know the actual interest and etc cost and I can tell you, bank actually charges very little interest when the amount swiped by the CC exceeding 4k++ dy.
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