According to the integral rules of China Merchants Bank, some items are not included in the integral:

1. Annual credit card fee, revolving credit interest, cash advance fee and interest, expenses arising from overdue repayment (such as liquidated damages, interest, etc.) and other fees agreed in the credit card collection contract of China Merchants Bank;

2. Related expenses withheld and remitted;

3. Including but not limited to the consumption of low-rate and zero-rate merchants such as real estate, automobile sales, wholesale, public hospitals, public schools, government, finance (insurance, investment), charity, residents' services and non-profit social services;

4. Other projects designated by China Merchants Bank.