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Does paying back the credit card affect the points?
The number of credit card points does not directly affect the credit card limit.

If you swipe the credit card of China Merchants Bank, your transaction amount will be calculated as a single consumption/cash withdrawal, and you can accumulate 1 points for every 20 yuan or USD 2, which will take effect the next day after the bank bookkeeping date.

Except for some consumption types.

Such as: buying a house, buying a car, wholesale, charity, non-profit services, government payment transactions, public schools, public hospitals, finance and other credit card websites clearly do not accumulate points.