1. All kinds of interest and handling fees are not allowed, including but not limited to annual credit card fees, cash withdrawal transaction fees, overdraft interest, liquidated damages, installment fees and other credit card fees.

2. Specific categories of debit consumption, including but not limited to transportation; Water and electricity costs; Supermarket and car refueling costs; Hospital, medical care; School education; Charity and social services, non-profit undertakings; Fines; Guarantees and bonds; Pay taxes; Government services; Embassy and consulate fees; Government loans are signed for consumption. (The above information will be adjusted from time to time according to the types of merchants increased or decreased by relevant institutions. Please refer to the information published on hengfeng bank Credit Card website. )

3. Electronic cash account deposit transaction, transfer transaction, cash transaction, online transaction, fast payment, etc. Not counting.