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What is the use of having 26,800 points on a Hua Xia Bank credit card?

You can go to the credit card points mall to redeem things, but the points are actually very low, not even enough to cover a pot lid. For ordinary credit cards, it takes more than 100,000 points to exchange for a small pot, so you can keep these points for now and wait until the end of each year to clear out the points, then see how many points you have collected and then exchange them.