52 types of merchants do not count credit card points! Have a POS machine, have a credit card attention!

There are two types of people who use credit cards. One is the wool party, and the other is the overdraft. What the wool party cares most is nothing more than points and concessions. Xiaobian is also a wool party, focusing on wool for a hundred years! Earlier about the points, this small series talks about why you swiped the card, but no points.

In general, the following five types of credit card transactions do not have credit card points:

1. Credit card fee

Such as credit card annual fee, interest and penalty interest, cash advance handling fee, overdue handling fee, late payment fee, overrun fee, etc., the bank will not give points when deducting this part of the fee.

In addition, credit card transfer, deposit (repayment), withholding, payment, cash withdrawal and other transactions are basically not scored (individual bank credit card cash withdrawal transactions have points).

2. Merchants with low rate or zero rate credit card transaction

According to industry regulations, merchants in such real estate, automobile sales, wholesale transactions, public hospitals, public schools, government services, charities and public utilities have lower fees or no handling fees, then cardholders in such merchants By swiping the card, the bank can't make money, and naturally it won't reward the point reward.

3. Partial network transactions

Most banks do not give credit for online credit card transactions, but as credit card online shopping becomes a trend, many banks reward points for online credit card transactions such as Alipay credit card fast payment. In addition, many banks have launched special cardholders. Credit card products such as online shopping co-branded cards that are consumed online, such credit card network transactions can accumulate points.

4, stored value payment transactions

Such as provident fund, tuition fees, various types of recharge.

5. No points consumption by each bank

In this case, the specific regulations of each bank are different. Banks usually provide a list of merchants that do not count points. Cardholders can log in to the issuing bank's official website for understanding.

Xiaobian reminder:

In addition to the above types of transactions, there is no credit card credit card. In addition, there is a phenomenon of integral sleeve code in the actual card, that is, the cardholder clearly stamps the card in the catering business with points, and the transaction document shows It is a type of business that has no points, such as real estate or public welfare. This phenomenon is the “set of code”. It is the merchant that uses the POS machine that is inconsistent with its own industry, which causes the cardholder to lose credit card points. If the above situation occurs, it can give feedback to the issuing bank or make a complaint to UnionPay.

After the POS rate reform, the bank is constantly adjusting the points policy.

This is forcing everyone to not beat the rhythm!

According to the China Merchants Bank points rules, the following items are not calculated:

◆ Annual fee for credit card, interest on revolving credit, handling fee and interest on cash advance, expenses derived from overdue payment (such as liquidated damages and interest), and other handling fees stipulated in the “China Merchants Bank Credit Card Requisition Contract”;

â—† The relevant fees paid by means of withholding and payment;

â—† Consumption of low-rate, zero-rate merchants in real estate, automobile sales, wholesale, public hospitals, public schools, government, finance, charity, residential services, and non-profit social services;

Announcement on Adjusting Credit Cards without Counting Merchant Categories

Dear Huaxia Credit Cardholder:

We will adjust the credit card points accumulation rules accordingly, adding the following 11 merchant category codes (MCC) to accumulate points and Miles & More award miles:

Business category code

Business category name

3998

Ministry of Railways

4111

Public transit

8011

Other medical activities

8021

dentist

8031

Orthopedic doctor

8041

Massage doctor

8042

ophthalmologist

8049

Chiropod doctor

8099

Other health care services

8241

Correspondence School (Adult Education)

8351

Child care services (including preschool education)

Other credit rules of Huaxia Credit Card remain unchanged