1. Class A merchants include catering, drinking, shoes and hats, luggage, drinking, gold jewelry, hotels and so on. Among them, 95% banks of such merchants have points for swiping cards for such merchants.

2. Class B merchants: The main industries of people's livelihood include supermarkets, gas stations, air ticket sales, household appliances, etc. Most merchants of this type have no points for swiping their cards.

3. The main industries and institutions of Class C merchants are: public welfare organizations, charities, public schools, public hospitals, etc.