1. Payment of credit card revolving interest, annual fees, liquidated damages, installment fees and other expenses, as well as credit card cash withdrawal and repayment are not counted as points.
2. The transaction of paying related expenses by withholding and remitting is not counted as points.
3. Merchant consumption in non-profit industries such as real estate, automobiles, wholesale, hospitals, schools, charity and social services, and financial and government payment transactions (such as insurance, investment, tax payment and fines) are not counted.
4. Special installments such as car purchase installment, decoration installment, parking installment, study abroad installment and some online payments are not counted.