Under normal circumstances, shopping malls, department stores, banks, integral mall, restaurants, hotel accommodation and other consumption have points, but the following transactions do not accumulate points:

1. Annual fee, handling fee, over-limit fee, revolving interest, late payment fee and other credit card fees;

2. Related expenses withheld and remitted;

3. All online payment transactions (unless otherwise stipulated by online co-branded cards);

4. wholesale transactions;

5. Low discount rate, zero discount rate and special types of merchant transactions are not counted, including but not limited to: transactions of automobiles, real estate sales, wholesale merchants, public schools, hospitals, telecommunications, finance (including banks and securities), insurance, social services and non-profit organizations;

6. The Card Center reserves the right to investigate the cardholder's responsibility, and recover the points given and the gifts exchanged through malicious transactions such as abnormal means or personal consumption transactions;

7. All consumer transactions belonging to the following categories of merchants will not participate in accumulating credit card points. Real estate, motor vehicles, ships and airplanes, office supplies and furniture, computers and computer peripherals, commercial equipment, medical and experimental supplies, metal hardware and electrical parts and equipment, various wholesale products, petroleum and petroleum products, boutique pawn shops in schools and hospitals, public utilities, etc. ).)