又被反撸了，原来Scotiabank Amex Gold也有年度消费上限

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信用卡专题：| 申卡指南 | 信用卡小白 | 信用卡积分 | 信用卡保险 | 信用卡消费 | 信用报告 |

上个月18号大家在SOBEYS消费的是不是很爽？

可惜的是，我这里悲催的整个活动只买了少部分，当然，这不是悲催的，更悲催的是，原来SB的AE居然也有年度消费限制。

毕竟大家好像都没提这个事

我这个英语不好的人自然也不懂怎么搞

然后直到这次活动才发现，很多积分没有给，以为被AE侦测到了，后来发现是它有年度消费上限

内容在这里：

cene+ points are awarded for purchases charged to Account. Scene+ points earn rate: The ﬁrst accelerated earn rate is 5 Scene+ points (as applicable) per $1 charged to the Account for purchases in Canadian currency at merchant locations classiﬁed as Groceries, Dining and Entertainment. The second accelerated earn rate is 3 Scene+ points (as applicable) per $1 charged to the Account for purchases in Canadian currency at merchant locations classiﬁed as Gas, Daily Transit and Select Streaming Services. The regular earn rate is 1 Scene+ point per $1 for all other purchases charged to the account. Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. Spend threshold for the accelerated earn rate: The first and second accelerated earn rate applies to the ﬁrst $50,000 in purchases annually on the Account, at merchants qualifying for the accelerated earn rate, which will be calculated from January 1^st to December 31^st each year. Once you exceed this threshold, you will continue earning points at the regular earn rate of 1 point per $1 in purchases. Eligibility: Cash advances (including Balance Transfers, Scotia Credit Card Cheques and Cash-Like Transactions), interest, fees or other charges, card payments and returns, refunds or other similar credits do not earn Scene+ points. Scene+ points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued.

谷歌翻译一下：

cene+ 积分将奖励给 Account 购买的商品。 Scene+ 积分赚取率：在归类为杂货、餐饮和娱乐的商户地点以加拿大货币购买时，第一个加速赚取率是每向账户收取 1 美元 5 Scene+ 积分（如适用）。第二个加速赚取率是在归类为 Gas、Daily Transit 和 Select Streaming Services 的商户地点以加拿大货币购买的每 1 美元向账户收取 3 个 Scene+ 积分（如适用）。对于记入帐户的所有其他购买，常规赚取率为每 1 美元 1 个场景 + 点数。必须在通过美国运通网络分类的商家处进行购买，商家类别代码 (“MCC”) 在美国运通网络中的“杂货”、“餐饮”、“娱乐”、“天然气”、“流媒体”中识别它们服务”或“过境”类别。在这些类别不是其主要业务的商家处购买不符合条件。一些商户可能 (i) 提供其他商品或服务；或 (ii) 有单独的商户位于其经营场所内，这些商户可能未归入 MCC 的加速赚取率类别，并且此类购买将不会赚取适用的加速赚取率。加速赚取率的消费门槛：第一次和第二次加速赚取率适用于账户每年前 50,000 美元的购买，在符合加速赚取率条件的商户处，从每年 1 月 1 日至 12 月 31 日计算。一旦超过此阈值，您将继续以每 1 美元购买 1 点的常规赚取率赚取积分。资格：现金垫款（包括余额转账、Scotia 信用卡支票和类似现金的交易）、利息、费用或其他费用、卡付款和退货、退款或其他类似信用不赚取 Scene+ 积分。 Scene+ 积分不会记入在购买或出具对帐单时信誉不佳的帐户，或在出具对帐单时未开立的帐户。

重点就是这句：

The first and second accelerated earn rate applies to the ﬁrst $50,000 in purchases annually on the Account, at merchants qualifying for the accelerated earn rate, which will be calculated from January 1^st to December 31^st each year.

第一次和第二次加速赚取率适用于账户每年前 50,000 美元的购买，在符合加速赚取率条件的商户处，从每年 1 月 1 日至 12 月 31 日计算。一旦超过此阈值，您将继续以每 1 美元购买 1 点的常规赚取率赚取积分。

通俗来说，其实就是

自然年消费前5W可以享受5倍积分

大家千万要提高警惕

不要像我这样的野蛮人分分钟损失那么多……

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