However, the following items will not accumulate points:
1. Minsheng Bank's annual credit card fee, revolving credit interest, handling fee, cash advance interest, expenses arising from overdue payment and other handling fees agreed in Minsheng Credit Card Collection Contract;
2. Cash advance or overpayment through the counters or ATMs of Minsheng Bank or other banks;
3. Consumption in real estate agents, various motor vehicle dealers, fuel shops, fuel vending machines, aircraft dealers, farm tools dealers and other wholesale merchants;
4, telecommunications, water and electricity and other public utilities service fee waiver;
5. Lottery, hospitals, schools and government services;
6. Online payment and other financial transactions;
7, other government loans, charitable social services and other non-profit consumption;