These fees will be incurred during the use of credit cards, such as annual fees, interest, penalty interest, withdrawal fees, installment fees, and some fees stipulated by banks, such as liquidated damages, which will not be scored in the collection process.

Most online transactions do not have credit card points. However, some banks and some special cards can earn points in online transactions, such as Taobao cards launched by Guangfa and CITIC. This kind of credit card can accumulate points by binding Alipay fast payment.