Banks have canceled online credit card credits

"China Merchants Bank credit card transactions in the hundred Pay no points." Yesterday, a reader to the Beijing Morning News reporter, through online banking enquiries found that from the end of last month, he through the hundred pay credit card online payment no longer accumulated points, and has been able to obtain and offline POS card consumption equivalent points.　　At present, the China Merchants Bank Credit Card Center website "does not calculate points merchant" list has already added hundred pay. In addition to the CMB, the reporter also learned that from September to October, the Guangdong Bank, the construction bank and the Pudong fat banks also adjusted the strategy. Pudong the credit card transactions on hundred pay, Tenpay and fast money at the end of October. CCB in October on the hundred Pay credit card transactions no longer cumulative points. In September, GF no longer accumulated credit card transactions through UnionPay electronic payments.　　These initiatives involve websites that are third-party payment companies. Yesterday, a reader to the reporter, in the hundred pay site choose to use the CCB credit card recharge, the page appears a line of tips: This mall CCB credit card payment without CCB credit card points, to bring you inconvenience please understand. The hint was added last month.　　His doubt is that the same is the credit card consumption, why offline credit card can give points and the Internet is no longer given? CMB and other relevant bank officials yesterday in an interview, said that the recent cancellation of points will be given a reply. Alipay, a senior director of financial cooperation, Ge Yongdi that, in addition to Taobao Mall and some individual merchants, for many years, most banks to Alipay on the credit card transactions are not cumulative points.　　He explains that banks need to take into account the cost and risk of paying on credit cards online, and only if online trading generates revenue and the risk is manageable. In fact, there is a big difference between credit card online payments and offline trading. Credit cards in shopping malls, supermarkets and hotels and other places to carry out POS card transactions, merchants need to be in accordance with the amount of transactions to the bank to pay a certain percentage of the fees, the bank will be a part of the fees received as an integral feedback to the cardholder. If the credit card does not have this interest mechanism on the third party payment website, the bank will not be able to obtain the profit, and would naturally not provide the reward.　　Ge Yongdi said that Taobao Mall as an example, the operators to follow the offline POS trading mechanism, to some banks to pay credit card transaction fees, so these consumer banks to give points. A joint-stock Commercial bank Credit card Center related people also pointed out that the monitoring of abnormal credit card transactions found that the cardholder to use Third-party payment regulation is not tight loopholes, using some third-party payment platform to get points, and then sell points or used to exchange for bank gifts, which caused the loss of the bank, Also hurt the interests of other cardholders.