When preferential merchants use credit cards, as long as customers swipe their cards at qualified preferential merchants, discounts will be automatically generated when they swipe their cards. Credit card consumption meets the preferential conditions, and customers can automatically get preferential treatment.

Generally, every bank's credit card can be set with SMS prompt function. When preferential merchants swipe their cards, banks sometimes send text messages to remind customers that merchants who swipe their cards have preferential activities.

If the customer does not receive the discount, the bank can apply, communicate with the merchant and return the discount.