No Points For Multiple Credit Card Consumption Items&Nbsp; Skillfully Use Non Integral Points To Save Money

　　 Credit card points One yuan and one cent, which is the slogan of many banks on credit card websites, but now many cardholders find that they have paid tens of thousands of yuan, but how can they keep their points? In fact, if you look closely at the credit card websites of various banks, you will find that Credit Card There are many credit card consumption items that only consume and do not earn points.

No points for real estate, automobile and wholesale

On the credit card websites of many banks, you will see such words in the column of points rules: credit card consumption is converted into points, hotels, restaurants, department stores and other businesses spend 1 yuan to accumulate 1 point, but real estate, cars, wholesale, hospitals There are no points for merchant consumption and financial and government payment transactions (such as insurance, investment, tax payment and fines) in non-profit industries such as schools and charity and social services. Some banks also stipulate that gas stations are not included in points even if they use their cards to refuel.

However, it is particularly important to remind whether swiping the card is integral It's not about the occasion of swiping the card. For example, you can earn points by swiping the card when repairing a car at a 4S store, but you can't earn points when buying a car at the same store. The same situation also occurred in the real estate company. Mr. Chen paid tens of thousands of yuan of cemetery management fees in a cemetery by swiping his card. Although this could not be considered as a purchase of real estate, because the machine he swiped chose the real estate category when applying for installation, these points were ultimately not recognized by the bank. Therefore, consumers should be reminded to ask for the type of POS machine before swiping their cards, so as to avoid not receiving points after swiping their cards.

Skillfully use "no points" to save money

Real estate and car card consumption not only cannot be scored, but also businesses have to pay for customers' card consumption. In an automobile sales shop, the staff told the reporter that every time a customer swipes the POS machine, no matter how much the amount is, they need to pay a 50 yuan usage fee. Therefore, in general, they stipulate that a customer can only swipe the card once when buying a car. If the deposit is swiped, the remaining payment can only be made by cash promissory notes. So if the 4S store allows, the car buyer might as well choose to pay the deposit in cash and pay a large balance by swiping the card. The large part can get a one month interest free loan provided by the credit card, and the interest on the money is much better than the gifts exchanged for credit card points. The same is true for real estate. A month's interest is 3333 yuan based on the 2 million yuan credit card amount and 2% annual interest rate. Although there is no credit, at least 3000 yuan of interest can be saved. Why not? However, it should be specially reminded that before you spend a large amount of money, please confirm your credit card limit first, so as to avoid being charged with an excess fee due to the over limit of credit card, which may be more than worth the loss.

The most common types of merchants that do not receive points

General contractor residential and commercial buildings

Real estate agent - real estate broker

Event motorhome dealers

Truck dealers

Parts and rental

Ship seller

Vendors of travel trailers and entertainment vehicles

Motorcycle shops and dealers

Camping and RV dealers

Comprehensive operators of automobiles, aircraft and agricultural locomotives

Dental/laboratory/medical/ophthalmic hospital equipment and supplies (wholesaler)

Uniforms and clothing for men, women and children (wholesalers)

Footwear (wholesaler)

Books, periodicals and newspapers (wholesalers)

Flowers and trees planting supplies, seedlings and flowers (wholesalers)

Paint and varnish supplies (wholesaler)

Other wholesalers

Public hospitals

Primary and secondary schools (public)

Ordinary colleges and universities (public)

Charity and social service organizations

Political organization (government agency)

Financial transactions

Government transactions