Credit card points are an important way for us to "earn more money". Points can be used to reduce annual fees, redeem gifts or air miles, participate in draws, or convert them into cash through third-party sales after being redeemed for products of equal value. However, some cardholders report that they have no points after spending with their credit cards, so what is going on? Let me take the Guangzhou Bank credit card as an example.
Why are there no points for purchases made with Guangzhou Bank’s credit card?
If there are no points for purchases made with Guangzhou Bank’s credit card, it may be because the credit card has consumed items for which points are not calculated. Points will not be calculated for the following items:
(1) Credit card annual fees, cash advance fees, installment fees, liquidated damages and other types of fees and various interests;
(2) Credit card cash withdrawal and overpayment recovery, deposit (repayment), transfer, bill installment, pre-authorization, cash advance, etc.;
(3) Telephone bills, insurance premiums, water and electricity bills, etc. Various types of public utility fee payment and withholding services;
(4) Online consumption, public utility fees, hospitals, governments, charities, schools, residents and other special consumption;
(4) Online consumption, public utility fees, hospitals, governments, charities, schools, residents and other special consumption;
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(5) Real estate, wholesale, home appliances, car sales and maintenance, refueling (gas), and gambling consumption;
(6) Sannong merchants, county and township preferential merchants and other merchants;
(7) Other items separately designated by Guangzhou Bank.
Consumption with Guangzhou Bank Credit Card through WeChat, Alipay and other bank-designated transactions (including WeChat, Alipay, etc.) will earn points. The points accumulation rules for Guangzhou Bank credit cards through third-party payment transactions designated by banks such as WeChat and Alipay are as follows:
1. The third-party payment transactions designated by banks such as WeChat and Alipay are adjusted from not accumulating points to accumulating certain types of points. The upper limit of the single transaction amount in a single day is RMB 10,000 (inclusive). The upper limit of the single transaction amount specified by Guangzhou Bank in the next period is set to RMB 10 for the first time every month. The upper limit of the cumulative transaction amount in a single day is RMB 10,000. (Inclusive), for example, the cumulative transaction amount of third-party payment designated by banks such as Alipay and WeChat is capped at RMB 20, excluding the cumulative transaction amount of third-party payment designated by Guangzhou Bank.
2. Point-based transactions include Alipay, Tenpay, online banking, etc.
The above is all the content, I hope it will be helpful to you.