I'm from the Bank of China. Let me answer that. You are not mistaken, it is 1 RMB product 1 integral. You didn't buy a house, a car or wholesale supplies. Unfortunately, all the shopping is paid on Taobao or online.
Apart from the points listed above, Taobao shopping and online payment are not counted. Because the bank's points are calculated by the merchant's credit card after consumption. The merchant's POS will pay a certain fee to the bank. Therefore, the integral is valid.
For Taobao payment and online shopping, banks can't charge merchants a certain fee, and consumption is not direct consumption by merchants. Taobao itself is a website, online shopping, as well as various payment platforms, such as Alipay, and a fund exchange platform. In the eyes of banks, this kind of consumption is not from merchants, but is regarded as online funds.
First put the money into the payment platform, and then pay it to the online merchant from the platform. Banks can't monitor the actual payment behavior and can't determine whether to spend. Many of them are used to recharge Alipay.
Moreover, in the early days, many people made purchases from Alipay, earned points, returned the money, and returned the money to the original credit card account or other savings account to withdraw funds. So the bank doesn't count. Many people cheat points and many people arbitrage. Therefore, in the later stage, banks all regard online shopping as a receipt, not the consumption of merchants, so they will not score points.
Does China Bank credit card have points for online banking consumption on Taobao?
You can complete the credit card application online through Bank of China Mobile Banking, China Bank Credit Card WeChat official account, Colorful Life APP, online banking and Bank of China official website (). If there is a bank outlet in China nearby, you can also bring your ID card and other valid documents, as well as proof of economic source and income, and fill out an application form at a bank outlet in China to apply.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How to exchange BOC credit card points for gifts?
Points can be redeemed through China Bank's mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, online banking, China Bank's points 365 website () and other channels. Credit card transaction points can be used to exchange all kinds of physical gifts, non-physical gifts, value-added services, financial services, charitable donations and so on. , you can also cash out through offline designated merchants.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
This concludes the introduction of Bank of China Taobao credit card points and how to obtain them. I wonder if you have found the information you need from them?