Generally, credit cards can be used for spending and accumulating points. Ordinary banks accumulate 1 yuan 1 points. Some banks do not accumulate points for cash withdrawal, and most overseas credit card spending can accumulate multiple points. In addition, many banks' credit cards can accumulate points for online shopping and consumption. Different banks have different rules for accumulating points. For specific points, the credit card owner can log in to the credit card issuer's own online banking to inquire.