2. There are many restaurants in the cooperative merchants, and the discount of meal fee is also a major feature of China Merchants Bank credit card. Basically, you can get a 5% discount when you eat in a restaurant. You know, in the credit card consumption, the share ratio of issuing bank, acquiring POS machine/acquiring bank and UnionPay is 7: 2: 1. The rate of catering industry is relatively high, and the new regulation for 20 12 years is 1.25%. If you spend 100 yuan on meals, the 15% discount on China Merchants Bank Card is actually only 4. 125 yuan. The amount of money posted backwards is neither too small nor too much. If you eat 400 yuan, you can save 20 yuan.

3. For consumers, direct cash reduction is far more cost-effective than points redemption and coupons of China Merchants Bank. For China Merchants Bank, eating is a high-frequency and relatively low-cost thing.