Many banks refine the credit card points rules and card issuance strategies.

Recently, CCB and CITIC Bank issued the announcement of credit card points rules for adjustment within the same day. Prior to this, many banks have made intensive refinement of credit card points rules and card issuance strategies. Shanxi Evening News reporters have learned that these adjustments have been adjusted that these adjustments have adjusted these adjustments Including the cumulative cumulative credit card transaction points of some merchant categories, and increasing the rules such as online payment cumulative points.

A credit card integration rules dense adjustment

On August 1st, CCB issued an announcement on its official website that since September 16, 2022, the bank's love card (referred to as "Dragon Card Credit Card") points rules will be adjusted. Dragon card credit card holder cardholder swipe card consumption comprehensive points, no longer accumulating special points, the calculation method, validity period, and exchange method of points all perform comprehensive points related rules. At the same time, CCB will transfer the existing Dragon Card Credit Card Special Points to the customer's comprehensive points account by 1: 1 before September 30.

The integration rules are clear that if the Dragon Card Credit Card holder has the right to use false transactions to obtain points (including transactions for others), the bank has the right to cancel its qualifications for participating in points. The bank emphasizes that it has the right to request the cardholder to provide consumer transaction invoices, purchase vouchers and other materials to verify the authenticity of the transaction; if the cardholder cannot submit relevant materials, the CCB has the right to not exchange If the integral exchange arbitrage or overdue arrears, and if it violates laws and regulations and regulatory policies or relevant provisions of the CCB, CCB has the right to adopt measures such as frozen points, zero points, freezing cards, card sales, etc., and retain further pursuit s right.

CCB clarified that the following 7 types of projects will not be calculated at the credit card: payment of recycling credit interest, annual fees, liquidated damages, installment payment fees and other expenses, dragon card credit cards and repayment; Relevant expenses transactions; real estate, car, wholesale, hospitals, schools, and charity and social services, as well as financial and government payment transactions (such as insurance, investment, taxation, fines); , Parking space staging, studying abroad staging, education staging, installment throughout, travel installment, bill installment, consumption installment business; excellent business card-unit business card various consumption; special billing merchants determined by UnionPay; Trading or merchants for points.

The Dragon Card Credit Card Pointing Rules point out that if the merchant fails to install a bank card accepting machine in accordance with the regulations of China UnionPay, transactions that should not be included have been calculated, and CCB has the right to deduct the cardholder's points; if the receipt or the merchant fails In accordance with the regulations of China UnionPay, if the category of merchant categories is correctly set to affect the accumulation of points, the CCB shall not bear the relevant responsibilities, and stated that the CCB has the right to review the legality, authenticity and legitimacy of the cardholder to obtain the points transaction. Sign and purchase bills, shopping invoices and other proof materials. If the cardholder cannot provide the certification materials required by the CCB, the CCB has the right to not grant the cardholder's points or take the deduction measures.

Also on August 1, CITIC Bank also issued relevant announcements to the adjustment of credit card points rules on its credit card official website, saying that since September 14, 2022 (based on the actual execution date), the bank's credit card points rules will be made as follows : Add the following payment channels to cumulative points -Douyin Pay, Duoduo Payment, Vipshop Pay, Suning Payment (Specific Credit Rules of Special Card Products are still based on the specific card product promotion page information published by the CITIC Bank Credit Card official website as the information as the information pages of the product publicity page of the CITIC Bank. allow).

B offline transaction integration equity is weakened

From the perspective of the entire industry, in the past two years, many bank credit card centers including postal savings banks, Ping An Bank, Minsheng Bank, Everbright Bank, and Guangfa Bank have adjusted their credit card points rules to varying degrees. Many commercial banks have gradually tightened the rights and interests of the offline acquisition institutions and began to increase the rights and interests of online consumption points, and said that third -party payment institutions that involved accumulated points will be updated from time to time.

In fact, banks, like the above -mentioned CITIC Bank, are increasingly paying attention to the bank's online payment channels by adjusting the rules of points. It is not a minority. Shanxi Evening News reporters learned that since this year, many banks have adjusted the credit card points rules, which generally increase the points of integration of online payment channels.

From April 6, Ping An Bank credit card has begun to implement new points rules. The new rules have increased and clarified the scope of transaction that can be planned. Payment habits, at the same time, clearly clarify WeChat payment, Alipay payment, JD Pay, multiple payment, Meituan Pay, Cheng Pay, Vipshop Pay, Suning Payment, Ping An Pay, Douyin Pay, Didi Payment, Xiaomi Payment, Cloud Flash Payment APP Payment, UnionPay QR code payment, UnionPay mobile phone flash payment and other platform payment can be paid. It is worth noting that while increasing the online payment channel integration equity, the bank's credit card integration mode is also adjusted to implement the "borrowing account assets and credit card consumption combination models". Assets are linked and distributed. And this adjustment has also become a new adjustment after Ping An Bank credit card is the first to implement a full network transaction distribution mechanism in 2020.

In addition, Xingye Bank also announced on July 26 that since September 1 this year, customers have accumulated online transactions that bind to Xingye Credit Card through Douyin Pay. It is said that starting from July 20 this year, the transactions accepted by 6 new third -party payment institutions will not be accumulated. In fact, Xingye Bank is not the first bank to "pull black" third -party payment institutions or bank receiving institutions. As early as July 16 last year, the Postal Savings Bank issued the "Announcement on Adjusting the Credit Card Points Rule of China Postal Savings Bank Credit Card", and the announcement of 10 bills of receipt agencies will no longer accumulate points. On January 11 this year, Pudong Development Bank issued an announcement that 10 new third -party payment institutions have no longer accumulated points. In addition, Everbright Bank has added 19 new bills of receipt agencies, and the types of merchants such as hydropower and gas payment, supermarkets, refueling gas, transportation, and insurance are no longer accumulated. Minsheng Bank and Huaxia Bank also "Pull black" more than 10 acquirers and merchants. Although Guangfa Bank and China Merchants Bank did not know which institutions did not accumulate points, the merchants in the list of do not accumulate the list of merchants have exceeded one million households. It is reported that the merchants in these lists basically include mainstream payment companies With some bank merchants, today, the list of merchants entering the blacklist is still being updated.

In response to the emerging payment channels, we have gradually become the development trend of the industry. From the perspective of the industry, this move is intended to encourage cardholders to "earn points" through online credit cards instead of offline card transactions "薅 薅 针 针" The core reason is the migration of user payment scenarios.

C points exchange risk needs to be followed

A state -owned bank person in the provincial capital told the Shanxi Evening News reporter that this kind of integral incentives that have gradually transferred to online can not only form a starting advantage for consumers who seize the new payment scenarios, but also continue to effectively activate users and build the card issuer to build a card institution The new digital marketing system empowers other businesses. It is worth noting that in order to grab more customers, there are indeed many banks for online integration marketing, such as launching the first signing of a contract to bind a large points and the full reduction in credit card consumption.

Nowadays, with the continuous adjustment of the points rules, credit card exchange equity shrinks, "chicken ribs" marketing, etc., has also been frequently spit out by cardholders. Shanxi Evening News reporters learned that most credit card points can be exchanged more than the actual price, and many cardholders also have considerable points of integration of points when they apply for credit cards. It's hard to exchange.

For applications, many agents such as "a lot of credit card points for recycling credit cards and redeemed cash". On the market, credit cards "inverted cards" and "raising cards" are emerging, and the gray industries with points exchange are endless. Many points redeem agents under turnover funds and provide convenience slogans to users, recycling credit card points in the hands of cardholders, helping cardholders to exchange credit card points into cash, thereby obtaining a spread and disrupting the order of the credit card market.

The Shanxi Evening News reporter searched for "points exchange" in the Apple Mobile App Store and found that nearly 20 related apps were found. There are also nearly 10 APPs on the Android mobile client. Points exchange, etc. Shanxi Evening News reporters learned that the general logic of these agents is that "gang" consumers exchanged credit card points into gifts or gift vouchers, and then discounted gifts or gift vouchers to earn the difference. However, these transactions are not necessarily compliant. May hidden risks.

Industry insiders also reminded that the bank's trading system is to verify the customer status with the account information and password associated with a credit card. While the cardholder sells the card in the card, it will provide the agent with ID number, bank card number, mobile phone number and password password When private information, the above information may be illegally used. While the cardholder sells points in the card, it also leaked the above information to the credit card agent, which increased the risk of transaction. Therefore, the cardholder must understand the cumulative rules and redemption rules of the relevant points of the bank's credit card, and continue to increase the awareness of risk to avoid greater risks for "wool".

Shanxi Evening News reporter learned that at present, some banks including China Merchants Bank have also adjusted the rules of points monetization, emphasizing that "points do not constitute user assets before redeeming the goods, and the points cannot be transferred." The cumulative upper limit of the monthly points "and other rules are intended to manage points exchange markets.

Shanxi Evening News reporter Zhang Zhen

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