Has credit card cashing been talked about?
I think that revision of the Money Lending Business Law is new to comparative memory.
Both merits and demerits were received in this revision.
Speaking of merits, the interest rate of the money lending industry was reduced.
This is because there were many people who broke down because the merchant brought high interest on the users.
For that reason, we decided to do legal restrictions to lend it with a conscientious interest rate.
However, in accordance with this, another regulation has been added from the point of view to prevent bankruptcy.
It is like a total regulation and prohibits lending to a lender as more than one third of the annual income of users.
In other words, people with annual income of 6 million yen have not borrowed until 2 million yen.
For people with a high age, regulation of total was not an important problem.
That's because there are few opportunities for people with a high annual income to rely on the money lending business, because there is a tendency to depend on bank loans only because they have credit.
Also, even if you rely on it, it is enough to borrow one third of it.
People who do not have annual income or who have a low annual income have decided to accept the effect of total regulation most.
People who are unemployed or have full-time housewives and no annual income often want to borrow money from consumer finance etc. because there is no annual income.
People with low annual income also wanted to live in difficulties and want to borrow.
However, if the annual income is zero, the amount borrowed by the total regulation has become zero, the burden of borrowing people with lower annual income has decreased. The number of people who do not pass judgment has increased.
With the amendment of the Money Lending Business Law, those who had previously been unable to use the available funding law continued.
Then, it is becoming increasingly interesting to credit card cashing.
Credit card cashing is the one that obtains cash by using the purchase frame of the credit card.
There are an increasing number of cases that people who can not borrow from consumer finance etc. use credit card cashing so that anyone with credit card in the name of the principal can easily obtain funds.
What is credit card cashing?
Let me briefly explain the flow of the transaction of credit card cashing.
There are mainly purchase methods and cash back methods as methods of credit card cashing.
Recently, as a derivation of the purchase method, Amazon gift purchase method is also gradually spreading.
In the purchasing method, cashing is carried out through purchase as the name implies.
The cashier will instruct the user the item to be purchased with credit card payment.
When the user buys the goods as it is supported and brought them to the cashier again, the cashier will cash it by buying it.
The Amazon gift purchase method is similar, but the transaction is mainly done on the net, not at the store.
If you apply for a cashier, the merchant will instruct you to buy an Amazon gift by credit card payment.
When a user buys an Amazon gift, the cashing agent will cash it by buying it.
Next, although it is cash back method, cash back method uses cash back to cash.
It is good to think that it is the same as "point back" that you can see even at home appliance mass merchandisers.
In other words, the cashier provides the item with cash back benefit at your company and the user purchases it with credit card settlement.
Then, cashing is done as a cash back.
Here, many users have doubts.
That is what kind of products are redeemed by purchase method, and what kind of products are cashback benefits purchased by cash back method.
Items to buy on buying method
First of all, let's take a look at the items you buy with purchase method.
Even if it says a product, since the products handled by each store are different, please consider the products introduced here are trends only.
In the purchasing method, as described above, you bring the target item to the cashier and purchase it, and make it cash.
After this, the cashier gains profits by bringing the purchased goods to a professional buyer.
In addition, the purchaser gains profit by selling the item he bought.
When thinking like this, I think you can see that the buyer buys something with high demand.
Therefore, in the purchasing method, it is possible to say that the goods handled by the cashier (the product that the user is instructed to buy) is a highly cashable product.
For example, there are times tickets of Shinkansen bullet trains, brand goods, etc., and some of them may handle electric appliances etc.
However, if you are instructed by tickets of Shinkansen bullet train, it is safe if you canceled the use.
Because credit card companies are prohibiting the cashing of credit cards in the terms of use in credit card companies, they are sensitive to use that can be regarded as cashing, and considerably pay attention to tickets of bullet trains that are particularly highly cashable I am paying for it.
If you know that the tickets of the bullet train are purchased by credit card payment, you may take measures to suspend usage once on the spot.
If it turns out to be cashing, we may take measures such as forced termination of credit cards and batch request for remnant debts.
If you designate brand name etc, you will be able to trade in peace of mind.
If it is a bag of Louis Vuitton or a large amount of use, the brand watches may be used.
In the Amazon gift purchase method, of course, cashing is done using Amazon gifts.
Purchasing an Amazon gift can be done at a convenience store or the like, but in order to use it for cashing a credit card, it will be purchased on the Amazon's official website.
There are several types of Amazon gifts, but in case of credit card payment you can purchase only e-mail type.
An e-mail type Amazon gift is that when you purchase it, e-mail is sent from Amazon, and you enter it when you enter the code number described in it.
At the time of cashing, purchase an Amazon gift according to the instructions of the cashier, tell the cashier the code number stated in the e-mail, and you will receive the money if you can confirm.
However, as a result of carrying out the survey on this site, we know that Amazon gift buyers currently have many malicious suppliers at the moment.
For that reason, it is recommended to use a cashier who is using normal buyers rather than Amazon gift buyers, or that is doing not only Amazon gift purchase but also parallel purchase with ordinary buyers.
Incidentally, as a derivative of credit card cash conversion recently, some companies that cash in mobile carrier payment have come up.
Although the maximum amount of money for mobile phones varies depending on the manufacturer, it is now possible to purchase credits using mobile phones called carrier billing.
In other words, it is possible to purchase products with mobile phones, and the service fee can be paid with the next mobile fee.
In the trader who carries out cashing by mobile carrier payment, we recommend that "even if you do not have a credit card, you can cash by using a mobile phone!" Etc. At this time as well, Gifts are being used.
Cashing is done by buying Amazon gifts purchased with mobile carrier billing.
However, this method is not recommended at all.
Because payment at this time is impossible as installment like a credit card, and it will be collective payment when paying the next mobile fee.
I think that there are many people who usually pay a mobile fee less than 10,000 yen, but such a person uses a mobile carrier payment to say that they are having trouble with money, the next payment to tens of thousands of yen If it also jumped up, how about it?
I think that there are very few people who can pay without any problem.
So do not use mobile carrier billing, etc., even if you use cashing using Amazon gift, please use credit card properly.
Cash back method
Even in the process of credit card cashing, the majority of cashback-type companies have recently taken over.
The reason why the cash back method is increasing is because all transactions are completed on the Internet, there is no need to set up a store like a buyer.
In other words, as a result of opening up with a low risk and increasing the number of new entry companies, cash back-type companies have become the majority of credit card cash converting companies.
So, what kind of product is the item with cash back benefit that is used in the cash back method?
Of course, the merchandise used by the trader is different, but there is a certain tendency.
That means that it is a poor product.
The credit card cash converting company is profitable as the difference between the usage fee and the conversion rate of the user.
If you use expensive items, the profit margin of the cashier goes down.
In order to secure a certain profit ratio, it is necessary to lower the exchange rate or lower the real conversion rate by taking a fee, but in that case the evaluation from the user falls.
Of course, since the user buys the product in search of cash, it is not required at all what the product is.
Therefore, the cashier uses cheap products to provide cashing.
Speaking of poor products is, for example, products sold for 100 yen uniformly.
However, when purchasing at the online shop, you will purchase the corresponding item.
However, in reality it means that poor goods are delivered.
This is attention to the police.
There are cases in which cash convertors have been arrested so far, but the dealer has made cash back by purchasing poor accessories.
On the other hand, the police took the arrest by making a judgment that "the sale of goods with cash back benefits is obvious and it is practically the same as the rental".
With this lesson learned, the cashier now sells the corresponding ones on the online shop so that it is not known as cashing, and actually takes a method of sending poor goods.
Summary: The product can be anything
To summarize the above, you can say that any item is OK.
Whether it is a purchasing method or a cash back method, the purpose of the user is to obtain cash by cashing to the last, and what kind of goods to use is not much a problem.
However, please pay attention only to tickets of Shinkansen bullet train.
As mentioned above, Shinkansen pass number tickets are likely to be in trouble with credit card companies and should not be used.
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