What's wrong with credit card swiping without points?

The reason why there are no points in the credit card of Guangfa Bank may be that the points are cleared when they expire, or the trading channel is not in line with the bank's points accumulation rules. For example, the consumption of department stores, restaurants, entertainment and tourism can be counted, while the consumption of real estate, automobiles, wholesale, public hospitals, public schools, charities and people's livelihood does not accumulate points. Specifically, the type of merchants registered in UnionPay shall prevail. Guangfa Bank regularly publicizes the list of merchants who do not accumulate points, and the transactions of the merchants listed in the list will not accumulate points, so pay attention to it at ordinary times.

Precautions for credit card use:

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is 2 or 25 days after the billing date, and the credit card is swiped one day after the billing date, with the longest interest-free period, and the credit card is swiped one day before the billing date, with the shortest interest-free period.

2. Protect the information on the card surface of the credit card

The three key information on the card surface of the credit card, namely, the expiration date and the CVV code, affect your card safety, especially the CVV code, which is as important as the password. It is recommended to cover the CVV code with correction fluid or sticker, and some people are even worse. Just scrape off the CVV code with a blade and keep those three numbers in mind.

3. swipe your card frequently to avoid the annual fee; Only when you repay the loan on time can you withdraw the amount

Generally, you can avoid the annual fee if you swipe your credit card for six times. Therefore, we must brush out the annual fee. In addition, we can increase the credit card limit by swiping more cards and frequently. At the same time, we can repay on time and maintain a good credit record, which is also a way to increase the credit limit. Moreover, it is also very convenient to pay without a card for mobile POS, which belongs to online consumption. Combined with daily offline consumption, multiple combinations are used.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified, and it is not necessary to go to a bank outlet or an ATM to transfer money.

5. If it doesn't work, or the repayment is delayed due to something, you can call customer service to apply for deferred repayment.

If your funds are temporarily unable to turn over, or the repayment is delayed due to something, don't worry, call the bank customer service immediately and apply for an extension of repayment for one to three days.

6. what should I do if the funds are tight? Apply to change the billing date and extend the interest-free period

When applying to change the billing date, you should pay attention to calculating the billing date time and enjoy the longest interest-free period to relieve the pressure of tight funds. However, this skill cannot be used every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change it once in their lifetime!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges on a credit card can call customer service and bargain with the customer service to apply for cancellation of unreasonable charges. If the customer service disagrees, they can insist on complaining to the end and generally win.

8. Use credit card installment with caution

The interest rate of credit card installment is very high, even if it is interest-free, the installment fee is not cheap, so use it with caution, and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except those who want to increase the credit card limit as soon as possible.

what consumption of guangfa credit card does not count as points?

points are not calculated for the following transactions of Guangfa Bank's credit card: \ (except Guangfa Standard Card), transfer transactions, and annual fees, handling fees, deposit/loan interest, excess money, self-paid amount for redemption of points, instant call, deferred payment and other expenses. \ Low discount rate, zero discount rate and special types of merchants do not calculate points, including but not limited to: real estate, wholesale, automobile sales, securities payment, public utilities, medical institutions, government agencies, charitable and non-profit institutions, some online transactions, tent and awning shops, college fees, legal services, telephone charges, insurance premiums, tax payment, agency payment services and other personal services not listed in other codes. \ When the cardholder returns the goods or services purchased by swiping the card for any reason, or the credit card is refunded due to the dispute over billing and other reasons, the points previously obtained will be deducted by the Bank. \ The points of the main card and the supplementary card of Guangfa Credit Card are combined into the main card account. Supplementary cardholders can't redeem bonus gifts, and the main cardholder needs to redeem them. \ For the same cardholder, points under different accounts can be combined and redeemed according to the highest card grade.

why does guangfa credit card have no points? What is the situation?

In the case of Guangfa Credit Card, the points are not accumulated as follows:

1. Transactions are not accumulated:

Common transactions that do not accumulate points include real estate/automobiles/wholesale/public hospitals/public schools/charities/people's livelihood/insurance/public * * * payment/bank deduction, etc., depending on the merchant category and payment settlement channel set by the merchant at the acquiring bank;

2. Cards don't accumulate points:

Some cards don't accumulate Guangfa points. You can open "Discover Wonderful APP Home → Headphone in the upper right corner → Enter" Cards don't accumulate points "to view specific cards.