Credit card points are a matter of great concern to many cardholders, because the points accumulated through credit card consumption are very useful, such as redeeming goods and air miles. , equivalent to paying back the money with a credit card. So, you spent a lot of money happily, but you didn't get a penny. Will you be confused?
In fact, banks have rules, but we ignore them. Let's see what doesn't count
1. Low-rate/zero-rate merchant consumption
Low rate refers to the handling fee paid by merchants to banks when they swipe their cards. For example, wholesale transactions, public hospitals, public schools, government services, charitable undertakings, real estate, car purchases and other large transactions are not counted as points, because the profits contributed by such transactions to banks are very low, and banks even operate at a loss, and points are real feedback, so banks should also calculate costs.
Of course, now it is not only the low rate/zero rate that has no points. Some time ago, Industrial Bank announced that the airline co-branded credit card will no longer get credit card points when signing bills in the home appliances and jewelry business. Airline co-branded credit cards include Eastern Airlines co-branded credit card, Xiamen Airlines Egret co-branded credit card, China Southern Airlines Pearl credit card and Jixiang Airlines co-branded credit card.
Ping An Bank also reduced the number of merchants originally included in the points some time ago. Ping An Bank announced that in July 2065438, after 1, the merchant category of 17 was added. These include industrial design, leather goods stores, home improvement stores, carpet stores, sports venues, activity promotion, arts and crafts stores, architectural and engineering design, hardware stores, floors, carpet stores, car washes, sports clubs and so on.
2. The cost of overdraft/credit card itself
Cash lent by credit card in advance, credit card fees (annual fee, interest, penalty interest, handling fee, overdue handling fee, etc. ) and other fees charged based on credit card regulations (late fees, over-limit fees) basically do not score.
3. Online trading
As long as there is no clear statement that credit cards are counted as points in online transactions, they are not counted as points in online transactions. Even if the credit card is marked with online transaction points, you should carefully check whether there are supplementary clauses that stipulate exceptions.
4. Other banks shall make their own regulations.
Banks themselves may also have some self-defined points accumulation rules and scenarios where points are not counted. For example, China Merchants Bank clearly stipulates that consumer transactions belonging to specific merchant categories in official website will not participate in the accumulation of credit card points of China Merchants Bank.
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Why didn't China Bank get a credit card after spending?
For the consumption that meets the accumulated points, the accumulated points can be queried after the transaction is recorded. For details of the accumulation rules, please refer to the activity terms of BOC Integral 365 website (). If the accumulated rules are met but the points are not counted, please call the customer service hotline for further consultation.
The above contents are for your reference. Please refer to the actual business regulations.
What's wrong with swiping your card at China Bank?
At present, BOC has updated the rules and terms of the 365-point bonus scheme of BOC, and publicized it on its website. It has been made clear in the terms that "items that will not accumulate trading points" can be viewed at official website at any time.
The above contents are for your reference. Please refer to the actual business regulations.
Why does this happen when credit cards are swiped without points?
Credit card points are a good thing, which is not only the reward of the issuing bank to the cardholder, but also the recognition of the real consumption of this merchant. However, recently, some netizens in Cai Xiao reported that after swiping the card several times, the points did not go up. What's going on here?
Cai Xiao netizen calf is going to buy a car. He paid a down payment in a 4s shop and swiped his credit card. I thought there would be a lot of points, but there was none. Later, after consulting, Mavericks learned that buying a house, buying a car and swiping a card did not count.
So which credit card transactions have no points? Cai Xiao summed up the following points for this big guy:
1. Non-integral fees stipulated by the bank.
In this case, the specific regulations of each bank are different. Banks often provide a list of merchants without points, and cardholders can log in to the issuing bank in official website for information.
2. Credit card fees
For example, credit card annual fee, interest and penalty interest, cash advance fee, overdue fee, overdue fee, overrun fee, etc. The bank will not give points when deducting this part of the expenses.
In addition, credit card transfer, deposit (repayment), withholding, agency payment, cash withdrawal and other transactions are basically not scored (individual bank credit card cash withdrawal transactions have points).
3. Stored value payment transaction
Such as provident fund, tuition fees, various top-ups and so on.
4. Merchants with lower rates or zero rates swipe their cards.
According to industry regulations, merchants such as real estate, automobile sales, wholesale transactions, public hospitals, public schools, government services, charities, public utilities, etc. have low or no transaction fees. Then the cardholder swipes the card at such merchants, and the bank will not make money, and naturally it will not return the points.
5. Some online transactions
Most banks don't give credit card online trading points, but with the trend of credit card online shopping, many banks give credit card online trading points rewards for special channels such as Alipay credit card fast payment; In addition, many banks have launched credit card products such as online shopping co-branded cards, which are specially designed for cardholders to spend online. Such credit card online transactions can accumulate points.
6. Integer code set
The cardholder clearly swipes the card at the catering merchants with points, but the transaction documents show the types of merchants without points, such as real estate or public welfare. This phenomenon is called "code matching", that is, merchants use POS machines that are not in line with their own industries, thus causing cardholders to lose credit card points. In case of the above situation, you can give feedback to the issuing bank or complain to UnionPay.
My ABC credit card, I spent it, why didn't I get points? What happened?
In the process of using the credit card, the following items may not accumulate points:
(1) Annual bank card fees, interest, liquidated damages, handling fees and other fees charged according to the Articles of Association of Jinsui Debit Card of Agricultural Bank of China, Articles of Association of Jinsui Credit Card of Agricultural Bank of China and Collection Contract of Jinsui Credit Card (Personal Card) of Agricultural Bank of China.
(2) The consumption completed by bank card holders in special types of merchants includes but not limited to the wholesale, sale, lease and maintenance of real estate, various motor vehicles, airplanes and their spare parts, fuel sales, fuel vending machines, public utilities and government services.
Business consumption such as tax payment, withholding, charity and social welfare, medical institutions, schools, child care, agricultural services, contracted services, gardening, electrical parts and equipment, heating, cleaning, direct sales, high-speed tolls and Alipay.
(3) Credit card advance cash, overdraft cash withdrawal and other transactions.
Extended data:
Personal customer points can be accumulated for consumer transactions completed with the bank card of Agricultural Bank of China. Debit cards accumulate 1 point for every 5 yuan RMB spent, and points will not be counted if it is less than 5 yuan, with a maximum of 300 points for a single transaction. Credit cards can accumulate 65,438+0 points for every 65,438+0 yuan RMB spent, 6 points for every 65,438+0 USD spent and 8 points for every 65,438+0 Euro spent.
Cardholders can accumulate up to 300 points for spending in the following designated merchants (subject to the merchant category code), and up to 3000 points for the same account every month.