Currently, if you want to earn a lot of points, one is to choose a POS machine that is not blocked, and the other is to use online methods.

From November 1, 2020, China Everbright Bank will add a list of merchants that do not accumulate points, and transactions with merchants listed in this list will no longer accrue credit card points:

1. Credit card points will not be accumulated for transactions at water, electricity and gas payment, supermarket, gas, transportation, and insurance merchants.

2. Transactions accepted by some third-party payment institutions will no longer accumulate points, and payment institutions that do not accumulate points will be updated from time to time. The first three digits of the acquirer’s merchant code are 801, 822, 823, 826, 829, 831, 833, 834, 836, 843, 847, 848, 849, 850, 857, 864, 887, 890, 900 and no points will be accumulated. .

3. Some other sporadic merchants do not accumulate credit card points. For details, please see the attachment "List of Sporadic Merchants that Do Not Accumulate Points". The list of merchants that do not accumulate points will be updated from time to time.

In general, this announcement is exactly the same as the one made by China Minsheng Bank when it announced that points will not be accumulated

1. Utility, gas, payment, supermarket, and gas refill transactions will no longer be accumulated. Points are even more limited for cardholders who make real purchases. After all, there are a large number of cardholders who don't know how to "play with the card" and only swipe the card for daily consumption. Therefore, this restriction is more harmful to these cardholders.

2. Points will no longer be accumulated for transactions accepted by some third-party payment institutions. The third-party institutions listed in the list are the same as those previously announced by Minsheng Bank. However, since it is some institutions, not all, it means that there are still institutions that can be swiped. Xiaoka has compiled a list of institutions that can currently be swiped after the announcement. Reply with the keyword "Everbright List" in the background of the WeChat public account of IAika. Available.

3. This list of "sporadic merchants that do not accumulate points" should be familiar to most cardholders. Compared with GF's list of 1,026,921 merchants in June, Everbright's list There are only 20,608 merchants, which seems a bit insignificant.

With regard to the “warm upgrade” in the accumulation of credit card points, major banks seem to have accelerated their pace.

On February 25, 2020, Ping An Bank announced the complete cancellation of points for offline transactions at POS machines;

On June 8, 2020, the Central Bank issued a regulatory notice on payment acceptance terminals , the behaviors of "one machine with multiple codes" and "one machine with multiple households" have been rectified within a time limit;

On June 15, 2020, Minsheng Bank announced the cancellation of transaction points for 19 mainstream acquirers and increased the number of online transactions Points calculation channel, the value of points earned has "depreciated";

On June 18, 2020, China Guangfa Bank announced that 1,026,921 merchant transactions will no longer count points, and will be increased from time to time in the future;

< p>On September 2, 2020, China Everbright Bank also announced adjustments to merchants that do not accumulate points with credit cards, and will update them from time to time