If there are no points, all credit card insurance will have no points, which is the handling fee between the insurance company and the bank. For example, shopping malls and supermarkets give banks 1% handling fees, but insurance companies don't, and banks don't make money. Of course, it is impossible to give you points.

1. First of all, you need to know the calculation method of credit card points: Everbright Bank credit card holders can get 1 points for a single consumption or withdrawal of RMB, 8 points for a single withdrawal of RMB, 20,000 points for a single withdrawal of USD and 24,000 points for a single withdrawal of USD. Among them, points will not be calculated for cash withdrawal transactions that do not charge cash withdrawal fees. The points generated by the transaction amount will take effect on the day after the bank bookkeeping date.

2. Everbright Credit Card does not have points for all purchases, but generally has points for swiping cards in shopping malls, department stores, restaurants, hotel accommodation, tourism, etc. Consumers who do not count points include: online shopping, buying a house, buying a car, wholesale, charity, non-profit services, government payment transactions, public schools, public hospitals, finance and other credit card websites that explicitly do not accumulate points.

Knowing the above two rules, you will know where the points come from, so that you can earn points with credit cards when traveling, having fun and shopping, such as banquets and going abroad.

Banks often cooperate with some designated merchants, where they can get multiple points by swiping their cards. The list of merchants designated by the bank can be found in the bank credit card official website.

5. In official website Bank, there are points discount activities all year round. For example, send points to change cards and send points in installments. You can always pay attention to the preferential activities in official website and double your points.