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Guangfa Taobao Credit Card is used for online transactions, don't you accumulate treasures?
Well, that's what it means.

But online transactions will still get the concentrated treasure provided by merchants.

In addition, Jifenbao is an integral of Alipay and can only be consumed online. You have to ask the bank how the integral treasure accumulated by offline transactions is reflected. If it can't be used for online consumption, it is meaningless.