As one of the four major state-owned banks, China Construction Bank has a great reputation and a large business, but it is not very generous to its users. The limit is low, it is difficult to increase the limit, and it is also difficult to earn points. Compared with ICBC, which is also a large state-owned bank, it is much stingy. I have heard many friends complain that they seem to have no points when swiping their CCB credit cards! No way, you are so stingy. To find out more about this, it turns out that there are four major no-points clauses.

1. Cloud QuickPass does not count points. Cloud QuickPass is a mobile wallet that binds a credit card for consumption. For example, current Apple Pay, Huawei Pay, Mi Pay, Samsung Pay, etc. are all Cloud QuickPass. , and now there is also UnionPay’s UnionPay UnionPay QuickPass APP, which is free of points. As for the Cloud Quick Pass fee, only China Construction Bank considers this a low-rate transaction, so there are no points. In addition to CCB, there are also Ping An Bank and Industrial and Commercial Bank of China that do not have points for Cloud Quick Pass.

2. Whether there are points for online transactions without points on third-party platforms depends on the merchants. The list is very long. The payment channels on this online shopping platform are also very troublesome, including Tenpay (WeChat). Being listed among them, it is usually better not to choose CCB credit card payment. However, CCB credit cards sometimes have points activities for transactions on WeChat and Alipay, and such transactions have points.

3. Blacklisted merchants will not get points. Some merchants that do not set parameters according to UnionPay specifications will also not get points. Banks will blacklist some unusual merchants based on background data. There are not many merchants on the blacklist, and it is difficult to sort out the details. If you encounter them, you can only be considered unlucky.

4. List of merchants without points. Every bank has a list of merchants that does not count points. It is usually a very long list, and China Construction Bank is no exception. Generally, they rarely look carefully. Most of them are wholesale, charity, car repair, tobacco, and agriculture-related businesses, which can only be avoided by looking at the MCC. To sum up, it’s not that CCB has lost points by swiping its cards, it’s just that it’s more difficult to get points. People can only carefully avoid various restrictions and blacklists. It’s not the bank that has the final say.