First, "overdraft" credit card. This "overdraft" is not another "overdraft", which mainly refers to cash advance, credit card fees (annual fee, interest, penalty interest, handling fee, overdue fee, etc. ) and other fees charged according to the credit card regulations (late fees, over-limit fees, etc.). , basically do not score).

Two, low discount rate or zero discount rate of commercial consumption

The so-called deduction rate is the handling fee paid by the merchant to the bank when swiping the card. There are no huge points in real estate, car purchase, wholesale transactions, public hospitals, public schools, government services, charities, public utilities, etc., because the profits brought by these transactions to banks are very low, and banks even operate at a loss, and the points are real returns, so banks should also calculate costs;

Third, other non-point consumption

Most of this item is formulated by the bank itself, and it is stipulated by the bank that there is no other consumption with points. For example, China Merchants Bank clearly stipulates that consumer transactions belonging to a specific merchant category in official website will not participate in the accumulation of credit card points of China Merchants Bank, depending on the accumulation rules of the bank.