Banks offer credit card points promotions, so you can spend when you earn multiple points; some banks also cooperate with supermarkets, restaurants and other merchants, so cardholders can directly use points to pay for cash at designated merchants. The points earned after swiping the card will be added to the expert points on the 10th of the second month. On average, one point will be added for every 20 yuan spent, with a maximum limit of 200 points