exchanging credit card points for money is not a routine. The principle of credit card points conversion is to convert the cardholder's points into gifts, then recycle the gifts with a certain proportion of cash, and then concentrate on selling gifts. The cardholder receives the corresponding cash in his own hands, and credit card points are usually converted into cash in this way, so credit card points conversion is not a routine. According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders. The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal.