Taobao credit card can not be points

-Consumer Reminders

Some consumers may be in charge of credit card consumption "points for the ceremony" and the credit card consumption, this is not cost-effective, in addition to the possibility of crazy consumption can only buy small dolls, not all the consumption has points.

It is understood that the credit card integral gift value calculation is generally in accordance with the amount of card 0.25%-0.3%. Integration Gift is a bank to encourage credit card consumption, activation of the account, the main function of credit card is still free period benign consumption. If putting the cart before the horse, spending on points will not outweigh the gains.

Ms. Zhang is a staunch "integral family", in addition to the place can not credit card, she buys anything will choose to brush credit cards, cumulative points. She also brushes a lot of money on Taobao, but later when the bill arrives, she finds that there is no credit card payment on Taobao. The reporter learned that Taobao and the bank signed a strategic agreement, the current bank does not accept Taobao trading Commission, Taobao also does not accept business commissions, but once the Taobao began to receive business Commission, then there will be a negotiated fee between the bank, so now in Taobao Brush credit card can not be integral. In fact, in addition to this example, some banks also stipulate that car consumption, hospitals, schools, withholding and payment projects are not included in the integration.

However, when the bank meets the holiday usually has "double integral", "the Benefit big gift" and so on activity, Cardholder's birthday also may have many times integral reward, the consumer may not rush completes the shopping plan to concentrate to these time "the surprise consumption".