[讨论]沈阳会不会出现能透支的会员卡？

透心凉

<p><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">&nbsp;&nbsp; 在北京，已经有商场率先试水这一模式，北京永旺国际商城购物中心于近日推出了可透支消费的会员卡。工作人员介绍说，消费者需携带身份证，并出示具备财力认证的凭证，如工资卡等，然后到商场填写一张申请表就能办理</span><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体;">“</span><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">永旺卡</span><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体;">”</span><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">，透支金额可从</span><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体;">1000</span><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">元至最高</span><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体;">5</span><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">万元。如果顾客逾期未还，将与银行系统收取信用卡透支逾期手续费的标准一致，按每日万分之五来收取手续费。在北京永旺</span><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体;">“</span><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">透支会员卡</span><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体;">”</span><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">推行一个月来，前来办理和咨询的顾客达到了数千人。</span></p><p><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">&nbsp; 在上海，百联电商的部分OK卡有望逐步向可透支消费的会员卡过渡，目前公司正在进行前期的探索和调研。凌震说：“透支消费很可能成为未来的一个趋势，现在公司已着手从技术上进行一些准备。比如进行相关的顾客消费行为分析、推广实名制等。” <br/>　　另外，一种与信用消费模式相类似的联名卡则受到不少商场的青睐，百盛购物中心、久光百货及太平洋百货等商场目前都推出了类似的卡，据太平洋百货企划部有关负责人介绍，这种联名卡其实是银行与商场合作推出的业务，不仅包括了会员卡的折扣、积分及赠礼等功能，持卡的会员在购物时还能够分期付款，可透支额度每月在600元－3万元。该人士表示：“这种模式和透支消费会员卡有所不同，主要由银行来承担风险，而会员卡透支消费则是由商场自己来承担风险。” </span></p><p><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">&nbsp;综上，随着国家鼓励内需的大的方针的制定和明年经济有可能进一步下滑，商家很有可能在会员卡一块下功夫，进而刺激消费，扩大内需。因此北京上海这种把会员卡增加透支功能，也很可能推开，沈阳的商家目前处境也比较困难，大家讨论，觉得沈阳的商家会否也有人尝试这种冒险？</span></p>

ren1978

国外的会员卡可以是捆绑信用卡，在日本，会员卡的点数可以直接当成现金坐公车或地铁。

AK48

是个好主意，但是短期在沈阳没戏。

top

<p>透支的风险，现在银行这么专业的组织都控制不住，就商场那种管理和风控水平，如果真的透支下去，风险可向而知。</p>

稀饭鼠

<p>估计二年不会</p>

现象

不会最好

boblisa

差不多吧

多多

商场的会员卡开始跟银行信用卡争市场了。

happy

<p>打折就够了。</p>

南北东西

可能性很小，有信用卡足够了。