Please be careful not to make any mistakes.

“Cashless refund” will be available until June 2020.
Although there is a deadline, many customers pay by credit card at our store.
I think this is a service that will be of great benefit to many people.
However, these services are often complicated, both now and in the past.
Today I will write something that I would like you to check once again.

``If you pay by credit card, the ownership of the purchased item remains with the creditor until it is paid in full.''

In other words, the ownership of the product at the time of payment by credit card etc. belongs to the credit card company.
It's not yours until you pay it off.
Therefore, it is no good to resell the product without permission even though the payment has not been completed.

Additionally, ``You cannot pay for more than 2 credit cards per item.''

This is basically out of the question as a payment method because the ownership of one product is divided between two or more companies.
For example, you cannot use a credit card other than the loan company for the down payment on a shopping loan.
At our store, credit cards and QR payments cannot be used together.
However, cash and one credit card payment are of course OK.

In particular, the biggest appeal of this cashless return is the ``5% return''.
For example, even if you pay for a product worth 400,000 yen with a single credit card,
A 5% refund will be given up to 300,000 yen.
So, "If you split your credit cards into two, you will get more returns."
Things just don't go as convenient.
The source of this refund is your "tax", so
If I did that, my store would also be shot down (lol)

As the word "credit" means when shopping,
A convenient credit card is something you borrow from a credit card company.
Remember, it doesn't actually belong to you until you pay it back.
Although there are many parts of the system that are complicated,
If you don't understand something, please feel free to ask!