Credit score is only an important part of our bonus hunter. This point can not only be used for annual fee reduction, redemption of gifts or air miles, participation in lucky draw, but also be converted into cash through third-party transactions after being converted into equivalent products. But why do some people have no points after swiping their cards?

(1) Reaching the upper limit of accumulated points: After the accumulated points of credit card consumption reach the upper limit set by the bank, the consumption in the current month can no longer be accumulated, and it will not return to normal until next month.

(2) Non-compliant merchant consumption: Not all credit card consumption in all scenarios can accumulate points, with low discount rate and zero discount rate, and special types of merchant consumption, such as real estate, financial products and services, insurance, securities, etc. And the consumption of blacklisted businesses does not count as points. Specifically, you can check the bank's points policy, as long as the unqualified merchants have no points.

(3) Consumption method does not accumulate points: credit cards do not accumulate points in transactions such as transfer and repayment, and banks do not support online payment of accumulated points.