Due to the recent adjustment of the bank's integral strategy and the strengthening of risk control, some card friends are now quite flustered. If they don't get points for swiping their cards, they may be scared to think that they have been controlled by the wind.

Under what circumstances is there no credit for swiping a card?

1. The merchant type of consumption is preferential, and there are no points.

2. Credit cards are co-branded cards, and credit card points are automatically converted into membership points.

There is no problem with the credit card merchants, but the merchants are blacklisted by the bank.

4. Some channel restrictions of online consumption.

5. 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. You can also find your own consumption details in China UnionPay Express or Shenzhen, look at the merchant number, and then see if the merchant has points.

In fact, there are many disadvantages of not scoring points by swiping a card, such as:

1. integral is one of the skills of credit card. Although the points have been shrinking, it is indeed the easiest to get, and high-end cards also deduct annual fees with points. If you don't get points by swiping your card, you will lose the chance of bonus hunter.

2. If the merchants you brush are supermarkets, gas stations, transportation, etc. There are basically no points, which may give you a risk reduction, so businesses without points are also very dangerous.