A: Hello, credit card swiping without points means that the consumer of the cardholder is on the blacklist of the bank, that is, the consumer shops that are not recognized by the bank are easily controlled by the risk of the banking system, and the biggest harm is that the card may be blocked. Not all credit card users will get credit card points. Every bank has regulations that credit card items do not give points, such as cardholders buying cars, insurance, paying utilities, tuition fees and communication fees.

1. Under what circumstances, there is no credit card?

The merchant type of consumption is preferential merchant, and there is no point; Credit cards are co-branded cards, and credit card points are automatically converted into membership points; There is no problem with credit card merchants, but merchants are blacklisted merchants of banks; Online consumption restriction points of some channels; If the accumulated amount of points is not reached, 20 yuan will accumulate 1 copy, and other banks will accumulate 65438+ 1 minute. Whether there are points for swiping a card mainly depends on the bank, and ultimately depends on the MMC of the merchant.

Second, credit card points

Whether there are points is not decided by the payment company, but a reward given by the issuing bank to the cardholder to use the bank's credit card. In the final analysis, it is a kind of behavior that the bank takes out part of the profits obtained by our cardholders' credit card consumption and then gives it back to the users, which is similar to the meaning of "taking it from the people and using it for the people". Of course, it must be a small part. After all, banks should be profitable.

It can be seen that credit card points are part of the bank's own interests. Therefore, if you want to get credit card points, then the contribution of this credit card to the bank should be greater than the "pay" of the bank. The contribution value of credit cards to banks, except for the different types of cards we hold, is largely due to the handling fee contributed to banks when swiping cards, which is reflected in the credit card rate.

According to the market rules of UnionPay, merchants are divided into three grades according to the different credit card rates, namely:

1. industries with high interest rates (such as restaurants, hotels, jewelry, clubs and other merchant types all have credit cards)

2. General industries (various ordinary retail stores, etc.). )

3. Wholesale industry (such as wholesale, real estate sales, automobile sales, government undertakings, public welfare and other designated merchant types have no points).