1. Consumption amount is deducted or not included in the points: when using CITIC Credit Card, some consumption amount will be deducted or not included in the points. When the credit card is used to deduct the total consumption amount, it means that the consumption amount has not actually been generated and the corresponding points cannot be accumulated.
2. Some expenses are not counted as points: CITIC Bank's credit card points calculation rules clearly stipulate that some expenses are not counted as points. For example, the annual fee, handling fee and over-limit fee of credit card are all extra fees and will not be included in the accumulation of points.