Generally, there will be no shortage when not in use, and only part of the consumption has no points.

China Merchants Bank credit cards can be used to accumulate points in restaurants, hotels, department stores and other retail stores, but the following items are not counted:

Real estate transaction, automobile sales transaction, wholesale transaction, public hospital transaction, public school transaction, charity and social service transaction, government service transaction, online transaction.

For details, please visit China Merchants Bank Credit Card official website or call the bank's customer service hotline.