This is the personal behavior of the cardholder. The cardholder plays the trick of "other people swipe their own card for consumption" and swipes other people's shopping accounts into their own card to increase points. At the same time, shoppers Then return cash to the cardholder, which is really a killing two birds with one stone for the cardholder. Because many banks have launched value-added services when issuing credit cards, and launched activities such as exchanging consumption points for gifts to stimulate people's enthusiasm for applying for cards and spending.