Many Credit Card Consumption Items Do Not Score &Nbsp; Clever Use Of No Points To Save Money.

Property, car and wholesale are not integral.

On the credit card websites of many banks, you will see the words in the rule of integration: credit card consumption is converted into points, hotels, restaurants, department stores and other businesses spend RMB 1 yuan to accumulate 1 points, but businesses such as real estate, automobiles, wholesale, hospitals, schools, and other non profit industries such as charity and social services, as well as financial and government payment pactions (such as insurance, investment, taxation, fines) are not integral.

Some banks also stipulate that gas stations do not pay credit cards.

But what I need to remind you is, is credit card?

Using "no points" to save money for oneself

Property and car credit card consumption can not only be integral, but also businesses pay for customers' credit card consumption.

In a car sales shop, the staff told reporters that every time the customer brushes the POS machine, no matter how much the amount is, they need to pay 50 yuan for the use fee. Therefore, under normal circumstances, they require a customer to buy a car and only one card can be cleaned. If the deposit is paid, the remaining cash can only be paid with cash cashier.

Therefore, if the 4S shop allows a car buyer, he may choose to pay the deposit in cash, pay large sums of money by credit card, and get the 1 month interest free loan provided by the credit card. The interest of the money is much stronger than that of the credit card.

Real estate is the same reason. With the sum of 2 million yuan and the annual interest rate of 2%, the interest rate of one month is 3333 yuan. Although there is no such thing as an integral point, at least it can save more than 3000 yuan interest. Why not? But let's remind you that before you brush the big amount of money, please confirm your credit card first, so as to avoid being overcharged because of the credit card overrun.

The most common type of business that banks do not include

General contractors -- residential and commercial buildings

Real estate agent -- real estate broker

Saloon car dealer

Truck dealer

Spare parts and rental

Ship seller

Sellers of trailers and amusement vehicles

Motorcycle shops and dealers

Campers and RV dealers

Automobile, aircraft and agricultural locomotive operators

Dental / laboratory / medical / eye hospital equipment and supplies (wholesalers)

Men's and children's uniform and clothing (wholesalers)

Footwear (wholesaler)

Books, periodicals and newspapers (wholesalers)

Flowers, plants, plants and flowers (wholesalers)

Paints, varnish supplies (wholesalers)

Other wholesalers

Public hospitals

Primary and secondary schools (public)

Colleges and universities (public)

Charitable and social service organization

Political organizations (government agencies)

Financial pactions

Government paction