The accumulation rules of credit card points of Guangfa Bank shall be decided by Guangfa Bank. The reason why the credit card of Guangfa Bank has no points may be that the points are cleared at maturity or the trading channel does not meet the rules of the bank's points accumulation. For example, the consumption of department stores/restaurants/entertainment/tourism can be counted, while the consumption of real estate/cars/wholesale/public hospitals/public schools/charities/people's livelihood does not accumulate points. The specific type of merchants registered by UnionPay shall prevail.