China Merchants Bank

Adjustment of Points Rules

On September 30, the Credit Card Center of China Merchants Bank quietly released an announcement "Notice on Adjustments to Credit Card Points Accumulation Rules" , starting from October 12, China Merchants Bank will adjust the credit card points accumulation rules. See the figure below for details:

This announcement has both good and bad points. The only thing that remains unchanged is the very large number of "sporadic" merchants that do not count points. . The announcement pointed out that starting from October 12, 2017, all transactions through foreign card organization settlement lines and overseas consumption through UnionPay channels will accumulate points, which is good news.

The focus of everyone's attention lies in items 2 and 3. The second item focuses on the fact that Alipay points-based transactions specify three merchant codes, which are: 308999873990184, 308999873990185, 308010710000104. Pay attention to these three What does coding mean? Can’t Alipay use it without any thought?

In fact, you don’t have to worry. The three merchant numbers for Alipay transactions specified by China Merchants Bank are essentially the same as the previously stipulated accumulation of points for "quick payment through Alipay" transactions, because Alipay quick payment transactions only The above three merchant codes will appear, including scanning the code to pay for transactions through Alipay Quick Payment! Therefore, as long as you pay for transactions quickly through Alipay, you don’t have to worry about not accumulating points.

As for Article 3, it stipulates that "merchant transactions that use UnionPay's special billing rules will not accumulate points." What everyone is worried about is UnionPay Cloud Quick Pass (such as Apple pay, various Android pay, etc.). Due to the fees The rate is 0.38. Is this provision formulated for this preferential rate?

As you all know, since September 6, 2016, the credit card processing fee has been unified to 0.6. However, this rate adjustment is not complete. There are still some merchants with preferential rates, with a rate of 0.38. Even lower. At the same time, under the attack of third parties such as Alipay and WeChat to scan and pay, UnionPay launched the UnionPay brand of UnionPay, with a card payment rate of 0.38. In view of this, this provision is ambiguous. Does the “UnionPay Special Billing Rules” refer to merchants with preferential rates stipulated by UnionPay or does it specifically refer to UnionPay Cloud Quick Pass?

From the detailed rules announced by China Merchants Bank, my understanding is that although UnionPay Cloud QuickPass has a preferential rate, it should still depend on the MCC of the merchant. CMB will definitely not give points for those preferential rates stipulated by UnionPay. . However, recently many people have discovered that CMB cards no longer count points through APPLE PAY, such as the Apple version of JD.com QuickPass. Points are no longer awarded when using CMB. It seems that there is a high possibility that Union QuickPass will not give points in the future. Welcome everyone to give feedback on the actual test results.

China Merchants Bank

Little White Card Points Adjustment

China Merchants Bank JD Little White Card, JD Little White Credit Day 10 times points activity will continue on Wednesday, but the policy has changed. Before December 31, 2017, new customers who apply for the CMB JD.com Xiaobai Card for the first time can enjoy up to 10 times the points based on the Xiaobai Credit Card by paying on JD.com on Wednesdays, while old customers of CMB can only enjoy 2 times the points when paying on JD.com on Wednesdays. integral.

The upper limit of reward points is 1,000 points per month. For those with novice credit scores of 90 or above, new customers need to spend 2,240 yuan through JD Pay on Wednesday, while old customers need to spend 20,000 yuan! You can add double points for cardless payments on Wednesdays, and regular customers can get up to 2,000 points for spending 20,000 yuan every Wednesday.

China Merchants Bank

Double points for Honor of Kings

China Merchants Bank’s Honor of Kings card gives you a reason to play Honor of Kings, because before December 31, 2017, After the CMB King of Glory and King of Glory accounts are bound, you can earn CMB points by playing games: you can get 2 points by logging in to the game every day in the month; participating in 5v5 matching matches or ranking matches in the month, and each win can be accumulated 5 points; every time you get a new hero or new skin in the month, you can accumulate 10 CMB points. Each customer can accumulate up to 500 points/month.

However, in October, the King of Honor card will accumulate double points by swiping the card, and the maximum reward points are 2,000 points per household. The main and additional cards will be combined. Therefore, this October, in addition to remembering to double the points without a card on Wednesday, Remember to swipe the King of Glory card, finally there is a reason to give the city card/car card (1.5 times points card) a rest.

China Merchants Bank

The best card swiping posture in October

According to the correction of netizen @CK, the ultimate card swiping method in October should consider China Merchants Bank’s Wednesday cardless payment and King Honor card, Xiaobai card (not considering new users) and car card or city card are swiped at the same time. There are 4 Wednesdays in October. Every Wednesday, the Xiaobai card JD QuickPass is 20,000 yuan, and the King of Honor card is swiped on the first two Wednesdays. After spending 20,000 yuan, spend 20,000 yuan on a city card or car card in the next two Wednesdays, totaling 160,000 yuan, and get up to 23,000 points:

The above calculation is the ultimate card swiping method. If you spend 160,000 yuan in one month, this consumption Ability is not limited! Everyone can reasonably arrange consumption according to their own needs and strive to maximize points!