1, two credit cards apply the same integral rule, so the points can be merged automatically.

2. Two credit cards have different points rules and cannot be merged. For example, an ordinary credit card and an airline co-branded card have special points and can only be redeemed for air miles. So we can't merge.

Classification of credit cards:

1. There are many types of credit cards, which can be generally divided into seven types: corporate cards and personal cards, credit cards and debit cards, international cards and regional cards, ordinary cards and gold cards, main cards and supplementary cards, retail credit cards issued by commercial organizations, and travel and entertainment cards issued by service industries.

2. Credit cards issued by banks

With the rapid development of contemporary science and technology and the wide application of computers in banks, the use of bank credit cards has expanded rapidly, which not only reduces the circulation of cash, but also makes the bank's business break through the limitations of time and space. There are four kinds of ordinary credit cards issued by banks.

3. Shopping card

Shopping cards refer to a number of shops or service enterprises (hereinafter referred to as special merchants) such as transportation and tourism companies organized by banks. When providing credit goods or services to cardholders, sign bills, collect loans or services from banks with bills, and pay a certain percentage of handling fees. Usually, the bank will settle with the cardholder by bill at the end of the month. If the cardholder repays the loan within the specified time, he/she does not need to pay interest; if it exceeds the specified time limit, he/she must pay interest to the bank.

4. Charge card

Charge card is the product of the computerized development of banking business. It can automatically transfer money and withdraw some cash through special computer terminals set up by banks in large commercial centers and tourist service centers. Charge card is a kind of credit card, which can be used for bookkeeping and transfer when shopping.

Materials required to apply for a credit card:

1, identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of the military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;

3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level.

4. Other documents for reference include: personal account list of social insurance in the last six months, water, electricity and gas bills, credit card bills of other banks, etc.

If you are self-employed, you can provide your own self-employed business license and tax bills for the past three months, and you can also provide your own other financial certificates: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license; Bank certificates of deposit and other information that can prove your economic level.