Huaxia credit card consumption generally has points, but some types of merchants do not. The details are as follows: real estate agents, various motor vehicle dealers, aircraft dealers, wholesalers, insurers, tobacco dealers, farmers, farmers, designated concessionaires, pay TV such as telecommunications and cable, service fees of public utilities such as the Ministry of Railways, public transportation, water and electricity, lottery tickets, hospitals and related medical institutions, medical and health activities, medical and health services, schools, government services, government loans and charity.