If it is a China Merchants Bank credit card, whether your consumption will accumulate points, you need to refer to our bank's points rules: when using a China Merchants Bank credit card (except for some cards), your transaction amount will be calculated based on a single consumption/cash withdrawal, and every ￥ 20 yuan or $2 USD can accumulate 1 point, which will be effective the day after the bank statement date. However, some types of consumption are excluded, such as: buying a house, buying a car, wholesale, charity, non-profit services, government payment transactions, public schools, public hospitals, finance and other merchants that clearly indicate on the credit card website that they do not accumulate points.