According to Cai Xiao, banks don't calculate points for wholesale transactions, shopping mall installment transactions, automobile, real estate sales, public schools, hospitals, telecommunications, insurance, social services and non-profit organizations.
The credit card center of a bank clearly stipulates: real estate, decoration, gardening, electrical appliances, heating, cleaning, wholesale, etc. Sales, leasing and maintenance of various motor vehicles such as automobiles, trucks, motorcycles and recreational vehicles, as well as aircraft, farm tools and their parts; Public utilities, government services, taxation, payment, charity and social welfare, etc. ; Medical institutions, legal services, schools, child care, etc. ; For non-cash financial products and services, direct selling, insurance, securities, accounting, auditing, etc. , the expenses incurred by swiping the card are not converted into points.
Earlier, it was reported that banking institutions have different credit card charging standards for POS machines in different industries. The normal rate of catering enterprises is 2%, and that of department stores is 1%. However, the normal rate of the wholesale industry is capped in 20 yuan, while the rate of bulk commodities such as houses and automobiles is capped in 50 yuan.
Compared with catering, department stores and other industries, wholesale, real estate, cars and other credit card rates are lower. If a citizen buys a house with a credit card of 6,543,800 yuan, according to the current policy, the credit card handling fee is 50 yuan, but according to the points policy, the cardholder can get 6,543,800 yuan points, which can be exchanged for valuable gifts, which is somewhat "a big loss" for the bank. Therefore, for the policy to be divided, banks generally "grasp the small and avoid the big".
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