The reward return red envelope rain deduction 30 displayed on the credit card means that after the credit card holder uses the credit card to spend the amount specified by the bank, the bank will return part of the money to the credit card holder. There are four levels of feedback on bank consumption amounts (less than 2,000 yuan, 2,000 yuan to 5,000 yuan, 5,000 yuan to 20,000 yuan, and more than 20,000 yuan), and the cashback ratio ranges from 0.25 to 1. The cardholder spends 4,800 yuan by swiping the card, and he can get 2,000×0.25 (4800-2000)×0.5=19 yuan in one payment. According to regulations, only when the accumulated reward reaches 100 yuan can it be included in the cardholder's account. If it is not enough, it will be accumulated until the target is reached.