What's wrong with using credit cards without points?
1. The consumer type is a merchant without integral discount.
2. Co-branded cards and credit card points can be automatically converted into membership points.
3. Credit card merchants have no problem, but they are blacklisted by banks.
4. Some online consumption channels limit points.
5. If the accumulated points have not been reached, 20 yuan will spend 1 points in merchants and 1 points in other banks.
Whether to record points is mainly decided by the bank, and finally depends on the MMC of the merchant. You can also find your own consumption details in China UnionPay Express, look at the merchant's number and see if the merchant has any points.
In fact, there are still many disadvantages in not scoring points by swiping a card, such as:
First, integral is a skill of withdrawing cash by credit card. Although the integral has shrunk now, it is really the easiest to get. High-end cards can also use points to offset the annual fee. If you can't brush points, you will miss the opportunity to brush points.
Second, if the businesses you brush are supermarkets, gas stations, transportation, etc. There are basically no points, which may give you risk control and lower points, so businesses without points are also very dangerous.