Key Takeaway
No. MCC 7322 classifies Debt Collection Agencies and adjustment bureaus. Card issuers explicitly exclude MCC 7322 from rewards accumulation, and transactions frequently carry merchant convenience fees or may be processed as cash advances depending on network rules.
- Classifies collection agencies, delinquent debt recovery, and account repossession services
- Almost universally excluded from earning category bonuses and introductory sign-up bonus spend
- High surcharge risk: Many collectors charge 2.5% to 4% payment processing surcharges
What is MCC 7322?
MCC 7322 is the ISO 18245 merchant category code for Adjustment and Collection Agencies. It is assigned to third-party collection agencies that recover delinquent debts, unpaid medical bills, defaulted loans, or past-due utility accounts.
Do Payments Under MCC 7322 Earn Rewards?
In general, no:
- Sign-Up Bonuses: Most cardholder agreements (including Chase, American Express, and Citi) explicitly stipulate that debt settlement and collection payments do not count toward the Minimum Spend Requirement (MSR) for welcome offers.
- Category Multipliers: There is no category multiplier for debt recovery. Even cards offering 2% or 3% on miscellaneous purchases may flag MCC 7322 transactions as non-qualifying cash-equivalent transactions.
Warning: Surcharges & Cash Advance Flags
Many collection agencies impose significant card processing convenience fees. Always confirm whether the agency will code the transaction as a standard purchase or a cash-equivalent quasi-cash transaction before paying.
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