1. Our bank’s credit card consumption accumulates points. Every 20 yuan/2 US dollars spent in a single transaction earns 1 point. The points are permanently valid. Points cannot be combined with others. (The points accumulation rules are the same for consumption of money deposited into the card); 2. AE Express card points, car card points, Jiuyou card points, Kaixin card points, World of Warcraft card points, FAW Toyota card points, QQVIP card points, city card points and Thinkpad card points will be merged into CMB credit card points at a ratio of 1:1; 3. The rules for accumulating points by swiping car cards and city cards remain unchanged: 0.5 times the bonus points can still be obtained and will remain valid for 3 years; after the merger, customers Points that will expire within half a year can be checked through online banking, mobile banking, and the official credit card APP mobile life channel. 4. Airlines co-branded credit cards will earn 1 mile for every RMB 18/USD 2 spent in a single transaction, and ANA co-branded cards will earn 1 mile for every RMB 20/USD 2 spent in a single transaction. The validity period of consumption miles shall be subject to the announcement of the partner. 5. The CMB credit card points accumulated by the Premium Platinum Installment Card will be rewarded with double points based on the amount automatically credited to the customer in each installment (general credit card consumption will no longer accumulate points), that is, 2 points will be accumulated for every RMB 20 of the automatic installment credit. Bank points are permanent. Generally, the original transaction of swiping a card will no longer accumulate points. Points can be redeemed for platinum value-added service rights, ordinary points products, platinum exclusive point products and other card center store point redemption products.