Hello, according to the rules of bank points, the following items are not counted as points: 1. Annual credit card fee, revolving credit interest, handling fee and interest on cash advance, expenses arising from overdue repayment (such as liquidated damages and interest) and other handling fees agreed in the credit card collection contract of China Merchants Bank; 2. Related expenses withheld and remitted; 3. Low-rate and zero-rate merchants such as real estate, automobile sales, wholesale, public hospitals, public schools, government, finance, charity, resident services, and non-profit social services; /ccclubnew/ContentDetail.aspx？ GID = 3869 f2d 4-38 D5-4e 22-822d-E0 deda 674 f4d