Not every payment from a credit card is called a credit card consumption. Generally speaking, POS transactions at designated credit card merchants or online shopping on designated websites are considered consumption; \x0d\ Specifically speaking: \x0d\ 1. Paying mobile phone bills is considered a transfer, not consumption. It means transferring money from your account to China Mobile (or China Unicom or China Telecom). The transfer is regarded as a cash withdrawal. \x0d\　2. Electricity purchase, same as above. Transfer to the power company, the transfer is treated as cash withdrawal. \x0d\　3. Swiping credit card for medical treatment: If the hospital uses POS, it is generally calculated based on consumption. But if there is an ATM in the hospital, then you can withdraw cash by paying a fee at the ATM. \x0d\　4. Pay membership fees online. Dual-currency credit cards can be used for online transactions on domestic and overseas websites. If you follow the general online shopping method when making a transaction, it will be counted as an online transaction, and the online transaction will be counted as consumption. But if it is an online transfer, it is regarded as a cash withdrawal. \x0d\　5. Online shopping is regarded as consumption. \x0d\　6. Paying the Internet fee for the whole year online and transferring funds are regarded as cash withdrawals. \x0d\ In summary, under normal circumstances, shopping using POS is counted as "consumption", and online shopping is counted as "consumption". Among the consumption parts, points can be enjoyed for parts other than online consumption, house purchase, car purchase, wholesale, charity and other consumption transactions of merchants deemed by the bank as not being able to accumulate points.