The following contents cannot accumulate ICBC credit card points. If the accumulated points belong to the following contents, they shall be deemed as invalid points:

(1) Including but not limited to low-rate and zero-rate businesses, such as real estate, automobile sales, wholesale, public hospitals, public schools, finance, government agencies, charity, resident services and non-profit social services;

(2) online consumption;

(3) Credit card consumption by merchants on third-party payment platforms;

(4) The consumption amount is less than 1 yuan (including foreign currency exchange);

(5) Pay the interest, annual fee, late payment fee, installment repayment fee of revolving credit loan and other expenses agreed in the peony credit card (personal card) collection contract;

(6) Withheld and remitted expenses (including credit card repayment);

(7) If the goods or services purchased by credit card are returned for some reason, or the refunded items are returned due to purchase order disputes or other reasons, China Industrial and Commercial Bank will cancel the corresponding points according to the refunded items;

(8) As listed on the website of ICBC, the following types of consumer transactions do not participate in points accumulation activities.

(9) If the merchants or acquiring institutions fail to install and use the bank card acceptance equipment according to the regulations of China UnionPay, or the merchant category code is set incorrectly, resulting in the accumulated invalid points for transactions that should not be given points, China Industrial and Commercial Bank has the right to cancel this part of the points; China Industrial and Commercial Bank of China is not responsible for the integral omission or calculation error caused by non-ICBC reasons;

China Industrial and Commercial Bank has the right to require cardholders to provide invoices, shopping vouchers and other materials for consumer transactions, so as to verify the authenticity of related transactions. If the cardholder is suspected of using false transactions to earn points. China Industrial and Commercial Bank has the right to refuse to accumulate trading points for cardholders who have converted points into cash through false transactions, and take measures such as freezing points, canceling points, freezing the use of cards and canceling cards, and reserves the right to pursue further.