Why do I never get points when I spend with a CITIC Bank credit card?

Points will not be credited to your account immediately after spending with CITIC Credit Card. They will usually be credited to your account the next day. For online purchases, you will need to issue a bill next month.

The validity period of CITIC Bank credit card points

The validity period of CITIC Bank credit card points is the period of value-added functions provided by CITIC Bank to encourage cardholders to use credit cards for consumption. CITIC Bank credit card holders can use their credit cards to By swiping your card for consumption, when the accumulated points reach a certain amount, you can redeem them for attractive gifts, airline miles and other prizes, and enjoy the value-added services brought by your credit card.

CITIC Bank Credit Card Points Validity Period

CITIC Bank Credit Card Points are valid for a maximum of two years and a minimum of one year. The points are valid from the date when the points are recorded to the same day (excluding the same day) as the credit card account opening date in the second year starting from the first day of the December period (excluding that year). CITIC Bank credit card points that are not redeemed after the expiration date will be reset to zero.

For example: If you successfully applied for a CITIC credit card on April 15, 2007, the points generated by your consumption from April 15, 2007 to April 14, 2008 will be credited to April 15, 2009. Expiration date, points generated from consumption from April 15, 2008 to April 14, 2009 will expire on April 15, 2010, and so on, so that your points can be enjoyed for a maximum of 24 months and a minimum of Valid for 12 months. You can check your credit card statement to find out your total available points and points expiration date.

1. Among CITIC’s credit cards, only the CITIC Taobao co-branded card can earn points when spending at merchants with a credit card icon on Taobao. There are no points for other CITIC cards after online consumption.

2. There are two types of POSS machines in daily consumption, one is the wholesale type, and there are no points for this type of consumption. Another type of retail, points will be accumulated after this type of consumption.

1. Not all transactions using CITIC Bank credit cards are rewarded with points.

Cardholders can accumulate points by using their own credit cards for normal card purchases at general retail merchants, purchasing mail-order goods through China CITIC Bank, using credit cards to withdraw cash, etc. However, points are not allowed to be accumulated under the points plan. Except for transactions.

Points will not be accumulated for the following types of transactions:

1. Credit card annual fees, handling fees, recurring interest, liquidated damages, other credit card charges, etc.;

2. Pay relevant fees through withholding and payment;

3. Cash installment transactions;

4. Installment transactions in shopping malls;

5. All networks Transactions (excluding transactions otherwise specified for online co-branded cards);

6. Blue card cash withdrawal transactions, UnionPay business card cash withdrawal transactions;

7. Including but not limited to real estate, automobiles, Merchant transactions in non-profit industries such as wholesale, hospitals, schools, government, charity, finance, social services and resident services.

Why don’t I get points when I buy on Taobao with a credit card?

At present, all credit cards of most banks do not generate consumption points if they are used for online transactions. Regarding the reason why there are no points, some banks replied that according to relevant regulations of UnionPay, all online transactions with credit cards (including other banks) do not generate consumption points.

“The reason why there are no points is because consumers settle through online shopping. The bank only provides a settlement method and method. The bank does not charge any fees, so no points are calculated.” For more useful tips and tons of benefits, come to the “Ka Life APP” or the Ka Navigation applet.

Why don’t I get points when I pay with a China Merchants Bank credit card?

The reason why there are no points for using China Merchants Bank credit card to pay: When buying something on Taobao, you pay directly with a credit card, but it is still transferred to Alipay first and then paid. In this case, there are no points.

With China Merchants Bank Credit Card, you can earn points only when you buy things from merchants that support "credit card direct payment". All merchants that support "credit card direct payment" will have a credit card icon on the product page, which can be seen. This kind of credit card direct payment is actually equivalent to the seller having to go through special certification, just like swiping a card in a physical store, and the seller's handling fee will be deducted.

Cardholders can earn credit card points in the following ways:

1. Points can be earned by swiping the card, with 1 point for every 20 yuan in RMB and 1 point for every 2 US dollars. ;

2. Search for Points Paradise on the Palm Life APP, and then you can earn credit card points through games;

3. You can invite friends to register and bind any of your bank cards to the Palm Life, you can get credit card points after the invitation is successful;

4. You can recommend friends to apply for a China Merchants Bank credit card, and you can get credit card points after the recommendation is successful;

5. You can apply for credit card installments, You can also receive credit card points after the installment is successful;

6. You can handle cash withdrawals, and you can also get credit card points after successfully withdrawing cash.

Why are there no points after spending with Bank of China credit card?

For purchases that qualify for points accumulation, you can check the points accumulation status after the transaction is recorded. For details on the accumulation rules, please refer to the activity terms of BOC Points 365 website (). If the accumulation rules are met but the points are not included, you can call the customer service hotline for further consultation.

The above content is for your reference, please refer to actual business regulations.

Are there points for online shopping with a credit card? What other restrictions are there?

Credit card points are the added value brought by credit cards. Cardholders can save points to redeem their favorite prizes, and can also redeem mileage and other discounts through points. However, some cardholders reported that they had used the card for a year, but when they checked at the end of the year, they found that their points had not increased much. Why is this? It turns out that there are limits to the points you can earn by swiping your credit card. For example, in most cases, you won’t be able to earn points when shopping online.

There are no points for online shopping with credit cards

Generally, you will not get points for online shopping with credit cards, even for large purchases of tens of thousands of yuan, unless you encounter a joint shopping website and a bank credit card. activity, otherwise there will be no points. However, you may earn points by paying through quick payment methods. After quick payment, whether you can enjoy points will be determined based on the type of POS machine used by the merchant to swipe the card. Cardholders can check the points status through the transaction details two days after settlement. If you want to know whether the type of merchant's POS machine can earn points, you can communicate directly with the seller when shopping. Another way is to apply for a Taobao co-branded card, so that cardholders can not only get full points, but also enjoy other value-added services.

There are no points for buying a car or a house with a credit card

In addition to not being able to enjoy points for online shopping, many banks also stipulate that transactions such as buying a house, buying a car, going to the hospital, and wholesale are not involved. Credit card points.

The main reason is that these industries are special industries and are different from normal card consumption. For example, for purchases in large shopping malls, the bank's "rebate" may be about 1%. At this time, it is feasible for the bank to give points. However, in special aspects such as house purchase and car purchase, the bank's "commission" is very low and is charged on a per-transaction basis. For example, when buying a house, the bank collects it per transaction, and it only charges 50 yuan per transaction. But a house costs hundreds of thousands, which is a huge amount. Not only 1 yuan can be exchanged for 1 point, but even 20 yuan can be exchanged for 1 point, which is difficult for banks to bear. In this case, if you give more points to the bank, you will not be able to cover your expenses.

To redeem an iPhone 6S Plus, you need to spend 3.1 million yuan by swiping your card

Everyone should understand that redeeming points for goods is just a benefit and cannot be forced. Don’t swipe your card irrationally just to redeem a product. Spend and earn points. For example, the most popular mobile phone iPhone 6splus (64g) has a point price of 7999 yuan in the points mall. However, the bank earns 1 point for 1 yuan spent in RMB, and 1000 points can only be exchanged for 2.5 yuan. That is to say, if the points are fully redeemed for 6spplus If so, you need to spend 3.1 million yuan by swiping your card.

This ends the introduction on why there are no points for credit card online shopping and whether you can buy credit card points. Have you found the information you need?