First of all, determine whether your transaction type belongs to the consumption type with points. Wholesale, public hospitals, schools, government services, charity, buying houses, cars, home building materials and other transactions, as well as some online transactions are not integral. Please refer to the official description of the credit card you hold. Secondly, the points of ordinary bank credit cards will be recorded within one week of the transaction, and the points given by special activities will be recorded according to the time specified in the activity. In addition, some banks' credit card points are also calculated according to the natural month. For example, the points reflected in China Merchants Bank's credit card bill in March are all as of the end of the month.