The Tianjin Rural Commercial Bank credit card points calculation method is as follows:

(1) Jixiang Credit Card holders can earn points for spending with a valid Jixiang Credit Card. Earn 1 point for every RMB 1 spent on spending, and 7 points for every USD 1 spent (to be determined after the dual-currency card is launched). The portion of each purchase amount less than RMB 1 will be rounded up and included in the points;

(2) Points generated from consumption will be effective from the day after the bank accounting date;

(3) Points from Jixiang Credit Card are accumulated in the main card account, and points are also calculated for supplementary card purchases. The points of the card are calculated into the main card account; when the cardholder holds two or more Jixiang credit cards, the points accumulated by each card's consumption can also be calculated together.

(4) If the cardholder returns the goods or services purchased for any reason, or the transaction amount is refunded due to disputes over consumption or other reasons (such as return transactions), the cardholder’s original The points earned will be deducted by the Card Department of Tianjin Rural Commercial Bank in proportion to the points based on the amount of transaction money returned.

(5) Tianjin Rural Commercial Bank credit card points should be calculated separately. If the cardholder has both a personal card and a business card, the personal card and the business card.