2. Sometimes it is decided by the card, because some cards have no points for any POS machine. Banks that issue credit cards will generally tell you the credit limit, billing date, repayment date, points method and other information when issuing cards.
Interpretation of POS integral;
POS machine consumption points are the rewards given by the issuing bank to cardholders to use their own cards. Its essence is that the bank gives back part of the profits of this consumption to consumers. Therefore, in order to get points, the cardholder's contribution to the bank should be greater than or at least equal to the bank's credit card income. After all, there is no completely free lunch for no reason. According to the current situation of UnionPay's domestic market, the credit card rate can be divided into three grades, namely, special industries with high rates (such as catering, jewelry, clubs, etc.). ), general industry (all kinds of ordinary retail stores, etc. ), and the wholesale industry with low discount rate (Daning International Tea City, etc.). ) [1]. Please refer to our website for the profit sharing rules of issuing banks with various interest rates. Generally speaking, the industries with low discount rate make little contribution to the issuing banks, so they basically do not generate points.
In addition, whether there is integral or not is also related to the type of card. For example, credit cards generally have points, while debit cards (which cannot be overdrawn) have no points. But this cannot be generalized. For example, debit cards issued by China Merchants Bank now have POS points.
Therefore, whether there are points depends mainly on two aspects: first, the rate grade of POS machines installed in consumer places; Second, whether the card type you hold generates points, it is best to ask the issuing bank in advance.