If the CCB credit card is traded through a third-party payment platform, there is no point. For example, Alipay, Tenpay and other trading platforms are all third-party trading platforms, and the payment you mentioned is also a third-party payment platform.
Industrial Bank's credit card was "blacked out" and remitted to five payment institutions including Tianxia: the accumulated points for accepting transactions were cancelled.
Economic Observer Network reporter Wang Qing 202 1 The first bank to "hand in hand" accumulated credit card offline transactions appeared.
On April 6th, Industrial Bank Credit Card Center (60 1 166. SH) It is announced that in order to provide better credit card services, the accumulated points of online payment transactions will be added, and the accumulated points of transactions accepted by five third-party payment institutions such as Xia Tian will be cancelled, and the accumulated points of credit card transactions of 52 merchant categories will be accumulated.
The new regulations will take effect on June 1 day.
From June, 20265438 1 day, the rules of credit card integral activities of Industrial Bank are adjusted as follows:
First, increase the accumulated points of some online payment transactions.
Second, cancel the accumulation of transaction points accepted by some third-party payment institutions.
Some transactions accepted by third-party payment institutions will not accumulate points, but will be identified by the number of the acquiring institution, that is, the first three codes of the merchant number. Transactions accepted by third-party payment institutions with the acquirer numbers of 823 (Remittance to the World), 829 (Linkage Advantage), 834 (Modern Financial Control), 848 (Qian Bao Science and Technology) and 900 (Changjietong) do not accumulate points.
The above adjustments are applicable to all customers, and third-party payment institutions that do not accumulate points will update them irregularly, subject to the contents of our credit card in official website.
Third, cancel the accumulation of credit card transaction points of 52 types of merchants.
In response to the adjustment of credit card points rules and the cancellation of accumulated points of some third-party payment institutions, Industrial Bank told the Economic Observer that "it is not convenient to respond for the time being."
In fact, at present, many banks tend to manage and control the distribution of points more carefully and tighten the scope of accumulated points.
Since last year, including Ping An Bank (00000 1. SZ), Postal Savings Bank (60 1658. SH), China Everbright Bank (60 18 18. SH), Minsheng Bank (6000 16. SH) and
It is worth mentioning that up to now, third-party payment institutions such as Remittance World and Lacarra have been blacklisted by many bank credit cards.
In 2020, Minsheng Bank announced that since August 1 day, some transactions accepted by third-party payment institutions will no longer accumulate points, which will be identified by the first three codes of the merchant number and updated every month. The first batch of non-point acquiring institutions 19 were announced, including Remittance World, Lacarra, Credit Suisse and Fulinmen. Since then, China Everbright Bank and Huaxia Bank have successively issued policies to cancel the credit card points of these 19 third-party payment institutions.
Supervision to crack down on credit card integral arbitrage
Generally speaking, points are one of the basic rights and interests of credit cards. After the cardholder swipes the card, the bank will increase the corresponding points according to the consumption amount, and the user will exchange the points for gifts, coupons and other items in the corresponding bank App mall.
This kind of integral reward measures also promoted the development of credit card market to some extent. According to the latest data of the central bank, by the end of 2020, the total usage of credit cards and debit cards was 778 million, with 0.56 credit cards and debit cards per capita; Total credit granted by bank cards 18.96 trillion yuan, up 9.18% year-on-year; The credit balance of bank cards was 79 1 trillion yuan, a year-on-year increase of 4.26%. In addition, the average credit line of bank Kaka is 24,400 yuan, and the credit utilization rate is 4 1.73%.
It is understood that when issuing credit cards, banks will clearly stipulate that the points are only used by the cardholders themselves, and credit card points can only be owned by the cardholders themselves. If it is transferred to other cardholders, it will constitute a violation.
In fact, this point system has been targeted by many "wool parties", who exploit loopholes through a series of false transactions and illegal use of other people's information, causing losses to banks.
It is reported that taking credit card points through "cashing out" is one of the common means of "black production". The usual operation is to frequently swipe a large amount of credit cards in merchants with lower rates to obtain credit card points, and then exchange the points for gifts, coupons, airline miles of partners, etc. At the bank credit card center, and then resell these items.
The above situation has also attracted the attention of the regulatory authorities. In order to further standardize the management of payment acceptance terminals and related businesses, protect the legitimate rights and interests of financial consumers and prevent payment business risks, the regulatory authorities have also issued corresponding policies.
In June 2020, the People's Bank of China issued the Notice on Strengthening the Management of Payment Acceptance Terminals and Related Services (Draft for Comment) (hereinafter referred to as the Notice). In terms of payment acceptance terminal business management, the behaviors of "one machine with multiple codes" and "one machine with multiple households" will be rectified within a time limit.
In the bar code management of collection, the Notice requires the payment and clearing association to formulate rules to distinguish between different user types such as individuals and merchants, and to include individuals with obvious business characteristics in the management of special merchants. In addition, China Banking Regulatory Commission, Shanghai Banking Regulatory Bureau, Beijing Banking Regulatory Bureau and Shenzhen Banking Regulatory Bureau also issued relevant credit card use risk warnings to remind consumers to use credit cards reasonably.
While tightening credit card points of some offline third-party payment institutions, banks are encouraging credit card consumption through online scenarios, and more online payment scenarios are included in the way of obtaining points.
According to the latest points rules, Industrial Bank credit cards accumulate points every month through online transactions such as WeChat payment, Alipay, Jingdong payment, Meituan payment, Suning payment, Xiaomi payment, Pinduoduo payment and Pinduoduo payment.
As early as before, Ping An Bank and China CITIC Bank (60 1998. SH) and Minsheng Bank credit card optimization adjusted the scope of online payment.
Is there any credit for remittance to POS machines in the world?
You asked the wrong question. There are different types of POS machines, some with caps and some without points. Those who are not capped have points according to the rate. The points of different POS machines are different, some are only 10 1.25, and some are 1050.
What will happen if you swipe your credit card in the remittance industry for a long time? Do you have any points to hand out?
Normal credit card consumption, nothing will happen As long as it's not cash, there is no problem!
Whether there are points depends on the type of merchant POS machine. You can tell whether the 8th ~11of your POS list is a point merchant under the credit card customer service query!
However, it seems that remittance is similar to Tenpay. Alipay is a third-party payment tool, and most of them have no points.
This is enough for the global credit card points remittance.