1. Credit card consumption, such as annual fee, interest and penalty interest, cash advance procedures, overdue fee, late payment fee, over-limit fee, etc. , will not be deducted by the bank. In addition, credit card transfer, deposit (repayment), withholding, remittance, cash withdrawal and other services basically have no scoring records (individual banks also score credit card cash withdrawal services).
Second, according to industry rules, merchants with low or zero rates swipe their cards, similar to real estate, automobile sales, wholesale transactions, public hospitals, public schools, government services, charities, public utilities, etc., and the handling fee is low or not, then cardholders swipe their cards at these merchants, and banks will not make money, so naturally they will not reward points.
Stored value payment transactions, such as provident fund, tuition fees, various recharge, etc.
Third, some online transactions Most banks do not give points to online credit card transactions, but with the gradual popularity of online credit card shopping, many banks give points rewards to online credit card transactions in special channels such as fast credit card payment. In addition, many banks have launched credit card products such as online shopping co-branded cards specially designed for cardholders' online consumption, and such credit card online transactions can accumulate points.
Four. Free point consumption stipulated by the bank itself. The specific regulations of banks are different. Generally, banks will provide a list of merchants free of points, and cardholders can log in to the issuing bank in official website for enquiry.