First, there are no points for credit card consumption with low discount rate, including car purchase and wholesale. Because the discount rate is the proportion of handling fees paid by merchants to banks, a low discount rate means low handling fees.

Second, there are no points for the payment of stored value, such as provident fund, tuition fees and various recharges.

Third, there are no points for the expenses incurred by the credit card itself, including cash withdrawal by credit card, interest and various handling fees. , and some related life account withholding fees, etc. , integral cannot be calculated.

Fourth, the bank's own consumption that does not generate points is rather vague. Such as the non-integral rules stipulated by ICBC.

In addition, there are "other transactions that are determined not to accumulate points do not accumulate points".