Yesterday we talked about the literacy of credit cards and POS machines.
Today, Xiao Bian took everyone to know some of the basics of playing credit cards and POS machines. Part II: What about credit card points?
The benefits of credit card points are numerous. As we all know, each credit card bank has a points mall that can redeem gifts, offset annual fees, and so on. It will not be explained here. Here we talk about how to quickly accumulate credit card points
The first point to understand the credit card points rules
Each credit card issuer’s credit score rules are different. Some merchants have credit card points and even multiple points. Department merchants do not have credits for credit card purchases. In general, whether credit card credits have points or not can be checked through the merchant's MCC code on the credit card purchase order, which is the POS purchase order.
The Chinese name of the MCC merchant code is "Merchant No", which is the number registered by the merchant you swipe to at UnionPay.
The numbering of this number is regular. You can check what kind of consumption you have by checking the "contracted merchant number".
According to the Bank Card Collection Management Regulations, the merchant number is 15: institutional code (3 digits) + area code (4 digits) + merchant number (4 digits) + business serial number (4 digits), which is a little complicated, MCC The code is actually the 8th to 11th digits of the "Business ID" on the purchase order. The red box in the following figure shows the business number (5722).
The special merchant number includes information such as the bank card transaction environment, the main business scope and industry ownership of the merchant, and the merchant settlement fee (ie, rate). The commissions you generate for each credit card will be distributed to the issuing bank, the acquirer (bank or third-party payment company) and UnionPay in accordance with the ratio of 7:2:1. This is why the high-rate banks will give credits to the points. The bank has made money!
Some credit cards also provide multiple points for specific merchants. The so-called multiple points merchants are actually determined by the merchant's corresponding merchant number (mcc code).
Supermarket 5411 (Pufa speeds up white-five points) Gas station 5541 (Xingye Xingyou Card, New Cheyou Card Multiple Points; Pufa accelerates white five-times points), Air Ticketing 4511 (Guangfa Business Travel Union Card and Platinum Card have business class Multiple points), 5962 tourism-related service direct sales (Gfa Aviation Co., Ltd. doubled, Baishang White 3 times, Pufa five times), travel agencies 4722 (GF Aviation Co. doubled, 臻 白 white 3 times), department stores 5311 (Pufa 5 times Integral), airport service 4582 (Gongfa Aviation Co., Ltd. doubled, Baishang White 3 times, Pufa Five Times) Western Restaurant 5812 (Pufa Five Times), Hotel 7011 (GF Aviation Co., Ltd. doubled, Qishang White 3 times, Pufa Five Times )Wait.
There are so many MCC codes, and it is impossible and unnecessary to be familiar with each other. However, for some specific credit cards, it is necessary to focus on specific merchants' MCCs, such as the above ones, so that they can be done at what merchants. What kind of card to brush, have a good idea.
However, due to the fact that the rates are not yet unified, there will be a kind of point-counting phenomenon in the actual use of cards, that is, the cardholder clearly swipes the card in the catering business with points, but the transaction document shows that it is real estate or Non-integrated business types such as public welfare. This phenomenon is called “sleeve codeâ€, in which merchants use POS machines that are inconsistent with their own industries, resulting in cardholders losing credit card points. If they encounter the above situation, they can give feedback to the issuing bank or make a complaint to UnionPay.
The second point. Make full use of the birthday month
Most banks have multiple birthday months multiple points rules, this one can be resolved to the credit card official website.
The third point. Constantly brush high-cost merchants
For example, if the cardholder regularly scans the 1.25% rate for hotels, restaurants, and jewellery, the bank can divide 70% into 0.875%, which will help to raise the amount and earn points.
The fourth point is the various activities launched by banks and third-party platforms
The bank will launch a series of card-swiping activities for specific consumption scenarios, many of which are multiple points. Such as the well-known cross-border 10-point challenge at overseas banks, the Olympic Games during the Olympic Games, the multiple points of the Olympic Card Olympic Games, the 30,000-point challenge mission that China Merchants Bank has just launched, and the 250,000 points of quarterly activities of Hua Xia Bank, etc. Activities can also double the number of points accumulated quickly. Everyone pays more attention to issuing the official website.
Well, today Xiao Bian took everyone to understand this.
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