Credit card (debit card) refers to the use of credit card (debit card) to complete various payments, such as offline credit card (debit card) consumption on POS machines and online binding of third-party payment software to complete the payment. Therefore, when a credit card (debit card) needs to be swiped x times without annual fee, the user can accumulate the credit card (debit card) for online payment and offline payment. As for whether online payment accumulates points, it depends on the regulations of the issuing bank.

In short, users must swipe their credit cards (debit cards) according to regulations. If they use these cards illegally, they may be controlled by the wind, frozen or even blocked.