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

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. Card fee for credit card.

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.