Credit card points are generally accumulated to the customer's points account in the afternoon of the next day; Generally, the points of a gold product can be accumulated to the customer's points account before the next month 10. Points are valid for 2 -3 years. For example, the points generated from June 20 1 1 to June 20 12 will expire in June 20 14. The validity period of the integral can be obtained by inquiry. Platinum credit card points are permanently valid, and the National Fitness Card points are valid for 5 years.
The above contents are for your reference. Please refer to the actual business regulations.
Why does CCB's credit card have consumption but no points?
Just to let you know that not all consumers have points. Generally, credit cards such as shopping malls, department stores, restaurants, hotel accommodation and travel have points. Consumers who do not count points include: online shopping, buying a house, buying a car, wholesale, charity, non-profit, government payment transactions, public schools, public hospitals, finance and other credit card websites that explicitly do not accumulate points.
In the Announcement of CCB that Longka credit card consumption is not included in the points merchants, it is found that "merchants who spend credit cards through third-party payment platforms do not accumulate points", including Alipay. Therefore, under the condition that the integral rules of CCB remain unchanged, this situation should not last long, and such transactions may not be counted as integral after some parameters of the bank are adjusted. If you want to accumulate points, it is recommended to do more transactions with physical businesses. Generally, credit card spending in hotels, restaurants, entertainment, department stores and other retail stores can accumulate points.
The four incomplete clauses of CCB are as follows:
1, China unionpay express is not an integral. In China UnionPay Express, mobile wallet is bound to credit card consumption, APPlePay, HuaweiPay, MiPay, SamsungPay, etc., all of which are in China UnionPay Express, and now there is UnionPay's China UnionPay Express App, all of which have no points. The handling fee of China UnionPay Express is only 0.38. CCB regards this as a low-rate transaction, so it is meaningless. In addition to CCB, Ping An Bank and ICBC's China UnionPay Express have no points.
2. There are no points for third-party platforms. There is a long list of merchants who have points in online transactions, and the payment channel of this online shopping platform is also very troublesome, and TenPay (WeChat) is also among them, so it is best not to choose CCB credit card to pay. However, CCB credit card transactions on WeChat and Alipay sometimes have points, and such transactions have points.
3. Blacklist merchants have no points. Some merchants who don't set the parameters according to the UnionPay standard also have no points. Banks will blacklist some abnormal merchants according to background data. At present, there are not many blacklisted businesses, and the specific situation is difficult to figure out. If you meet them, you will only have bad luck.
4. List merchants have no points. All banks have such a list of merchants without points, which is generally a very long list, and CCB is no exception. Generally, I seldom look carefully, mostly wholesale, public welfare, auto repair, tobacco, agriculture, rural areas and farmers. I can only avoid it by looking at MCC.
Why didn't China Bank get a credit card after spending?
For the consumption that meets the accumulated points, the accumulated points can be queried after the transaction is recorded. For details of the accumulation rules, please refer to the activity terms of BOC Integral 365 website (). If the accumulated rules are met but the points are not counted, please call the customer service hotline for further consultation.
The above contents are for your reference. Please refer to the actual business regulations.
There are no points on the credit card. Why?
There may be no points for swiping a card because of: annual card swiping fee, cash withdrawal transaction fee, overdraft interest, late payment fee, over-limit fee and other card swiping fees.
Credit cards are also called debit cards. It is a non-cash transaction payment method and a simple credit service. Credit cards are issued by banks to individuals and units. They can make purchases, spend money and deposit and withdraw cash from banks through credit cards. In the form of a card, the name of the issuing bank, the expiration date, the number and the name of the cardholder are printed on the front, and the magnetic stripe and signature strip are printed on the back. Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and the bills will be returned when they arrive.