Because banks have recently adjusted their points strategy and strengthened risk control, some cardholders are now panicking. If they have no points at a certain time, they may be scared and think they have been risk controlled.

Under what circumstances do I get no points for swiping my card?

1. The merchant type of consumption is a merchant without points discounts

2. With a co-branded card, the points can be automatically redeemed for membership points by swiping the card

3. The merchants who swipe the card do not have problem, but merchants blacklisted by banks

4. Some online consumption channels limit points

5. If the accumulated points amount is not met, 20 yuan spent on investment will earn 1 point, others A bank earns 1 point for 1 yuan

Whether points will be counted or not is mainly decided by the bank, and ultimately depends on the merchant's MMC. Everyone can also look for their own consumption details in Union Quick Pass, check the merchant’s number, and then see if the merchant has points.

In fact, there are still many disadvantages to swiping credit cards without points, such as:

1. Points are a technique for withdrawing funds from credit cards. Although points have shrunk now, points are indeed the easiest If you get it, you can also use points to offset the annual fee with high-end cards. If you don’t earn points by swiping the card, you will miss the opportunity to earn points.

2. If the merchants you visit are supermarkets, gas stations, transportation, etc., there are basically no points. They may also give you risk control, score reduction, etc., so merchants without points are also very difficult. Danger.