Many card friends often use credit cards as bank cards to save money, resulting in overpayment. When they want to take out the money and find that they have to charge a handling fee, they can only use the overpayment amount by swiping the card. And we all know that credit card consumption sometimes has points, so does overpayment also have points? Let's take a look at it with everyone. are there points for credit card overpayments? In general, the rules of overpayment points are the same as those of credit cards, mainly depending on how you use overpayment. Usually, we can withdraw the overpayment in cash, or we can spend it by credit card. The points are different in different usage, mainly depending on the credit card regulations of various banks. 1. Cash withdrawal for overpayment: Banks that take existing points for credit cards include China Bank, China CITIC Bank, Industrial Bank and Shanghai Pudong Development Bank. However, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank, Bank of Communications, Minsheng Bank, China Guangfa Bank, China Everbright Bank and Huaxia Bank have no points for cash withdrawal. 2. Overpayment consumption: Credit card spending can accumulate points, which of course mainly depends on the type of merchants. Except for wholesale, real estate, automobile, public hospitals, public schools and other businesses, most merchants can accumulate points by swiping their cards.

so, how do you know if there is an integral? If you don't know whether the merchant you are trading has points, you can judge by looking at the merchant category code (also called MCC). Usually, we will print out a purchase order with a 15-digit merchant number after swiping the card at the merchant POS machine. We just need to check the 8-11 digits, and then enter the MCC code in some MCC integral query applets to check whether there are any points in the current consumption. It should be noted that different banks have different points rules, and the speed of accumulating points is different, so it is often the case that they spend money by swiping the card from the same merchant, but the points are different. Here, the points of common banks are compiled for your reference.

credit card points rules of p>13 banks: 1. Bank of Communications, Industrial and Commercial Bank of China, China Everbright Bank, Bank of China, Agricultural Bank, China Construction Bank, Minsheng Bank, China Guangfa Bank and Huaxia Bank: 1 point for every 1 yuan spent, and 8 points for every US dollar spent; 2. China Merchants Bank: 2 yuan =1 point per consumption, and USD =1 point per consumption; 3. Industrial Bank: 1 yuan =1 point per consumption, and USD =7 points per consumption; 4. CITIC Bank: CITIC Bank 1 yuan =1 point (Puka), 1 yuan =2 points (Gold Card and Platinum Card), HK$ 1 =1 point and US$ 1 =8 points. 5. Shanghai Pudong Development Bank: 1 yuan =1 point for every consumption, and USD =16 points for every consumption. The above is the introduction of "Do you have points for credit card overpayment?" I hope it will help you. In a word, there are many situations that affect the credit card overpayment points. We mainly analyze the specific situation. If you don't know whether there are points, you can check the points of the current transaction through the methods introduced above.