Have users ever encountered no points when using credit cards to make purchases? If users encounter this situation, it will cause a lot of confusion. In fact, this situation is relatively common. Let’s take a look at why there are no points for credit card swiping.

1. Credit card fees, such as credit card annual fees, interest and penalty interest, cash advance procedures, overdue fees, late payment fees, over-limit fees, etc., the bank will deduct these fees Points will not be awarded at any time. In addition, credit card transfers, deposits (repayments), deductions, fee payments, cash withdrawals and other transactions are basically not scored (certain banks have points for credit card cash withdrawal transactions).

2. Low or zero discount merchant consumption, including but not limited to real estate, car sales, wholesale transactions, public hospitals, public schools, government services, charities and public undertakings, etc. . The so-called discount rate refers to the handling fee paid by the merchant to the bank when the merchant swipes the card. Bankers said that generally speaking, points are not counted for large-amount transactions such as buying a house, buying a car, wholesale, etc. The reason is that the profits contributed by such transactions to the bank are very low, and the bank is even operating at a loss, but the points are real. Feedback, so banks also have to calculate costs;

3. Other consumption that does not count credit card points stipulated by each bank, most of which are set by the banks themselves, in this item each bank has specific regulations There is a difference.