Credit cards will not accumulate points for transactions under the following circumstances:

1. Wholesale transactions: such as tobacco, beer, building materials wholesale, computer mall, etc.

2. Transfer transactions: such as loan deduction, automatic transfer of utilities, transfer transactions for purchasing securities or funds, insurance withholding, etc.

3. Professional transactions: such as hospital payment, provident fund payment, tax payment, school payment, insurance payment, real estate sales, automobile sales, online transactions, auction pawn, etc.

4. Stored value transactions: such as fuel card recharge, telephone recharge, prepaid recharge, etc.

5. Transactions that other banks determine should not accumulate points will not accumulate points.