The generation of points is related to credit card swiping and has nothing to do with repayment. In addition to buying a house and a car, you will accumulate corresponding points for those accidents that do not generate points. A necessary means to ensure that your credit card can be used normally and your credit history will not be affected when you repay. If the repayment is overdue after the last repayment date, there will be overdue records, which will affect the credit investigation.