Case: Recently, Mr. Chen, a citizen who is going to work in other places, bought a laptop in a digital store. He used the POS machine to swipe 5 100 yuan in the store, and found that his credit card points did not increase during the reconciliation.

In fact, for consumers, not every consumption can get points.

The person in charge of a joint-stock bank said that POS machines are divided into wholesale and retail categories. The bank will set the POS machine type according to the content of the merchant's business license, and UnionPay will mainly build a settlement platform. As for whether the gift card can participate in the points accumulation activities, it is up to the issuing bank to make its own regulations.

"Redeeming credit card points for gifts is just a promotion method for banks." The person in charge said that the profit will be given to consumers. But not every consumption can be "discounted". General wholesale, people's livelihood, buying a house and a car and other big consumer categories can not enjoy credit card points, including buying a real estate car, seeing a doctor in a hospital, paying tuition fees, wholesale and other transactions.

In addition, when banks handle POS machines for merchants, they will also determine the charging standards according to the industry categories and sales methods provided by merchants. If the business scope or sales method of the merchant falls into the above categories, the bank will no longer give points to consumers, because the bank has deducted the handling fee of the merchant.

However, it is not excluded that "some unscrupulous merchants provide untrue information to banks by concealing or making false reports in order to reduce their own expenses", the person in charge said.

The reason why these merchants play "Gankun big move" is mainly because different types of merchants have different transaction fees for POS machines, and catering is the highest. In order to reduce the handling fee, many merchants use POS machines of other types of merchants.

It is reported that in the POS machine industry, all kinds of merchants have their own special codes, referred to as MCC codes, which are generally represented by four Arabic numerals, such as department stores, clothing, hardware, restaurants, KTV and so on. Codes are different, and industries are divided into general categories, catering and entertainment categories, people's livelihood categories, wholesale categories and so on. Among them, the people's livelihood category is the cheapest, the general category is the second, the catering and entertainment category is the highest, and the wholesale category can be used as a capping machine.

After the cardholder successfully swipes the card on the merchant's POS machine, he will print out a small ticket with the merchant's number on it. From the 8th digit to 1 1 digit (4 digits), it is the MCC code of the merchant's POS machine, corresponding to the industry operated by the merchant. At present, the handling fee for people's livelihood is 0.38%, that for ordinary people is 0.78%, and that for catering and entertainment is 1.25%.

According to industry insiders, some POS machine practitioners will tell businesses to install cheap POS machines for personal gain. In fact, they will install machines in low-cost industries for customers in high-cost industries and take the opportunity to apply low-cost codes. In this way, when the merchant swipes the card, the MCC code on the receipt is definitely inconsistent with the actual business project.

"The installation organization of the POS machine earns the corresponding handling fee according to the amount and times of swiping the card. In order to attract big customers and make profits, merchants often cater to customers' needs, which is why consumers have no points for swiping their cards. " POS machine industry personnel said.

A person from a commercial bank revealed that in fact, many merchants' POS machines did move and change their use without authorization. However, due to the large number of merchants, it is really difficult for commercial banks to check whether the POS machines of merchants are the same as their real purposes. If it is confirmed that the POS machine has indeed been moved or changed without authorization, the merchant must make rectification as required, and the most serious thing is to withdraw the machine. (The above explanation source is taken from the website for reference only)

The above is the introduction of whether Huaxia Credit Card has points or not.

I hope Bian Xiao's reply can help you!