1. Credit card holders of Shanghai Rural Commercial Bank use valid personal credit cards of Shanghai Rural Commercial Bank to swipe their cards. In principle, they will accumulate 1 point for every full RMB 1 yuan and 7 points for every full USD. Except for special card types. Business credit cards do not count points.

2. When the cardholder participates in relevant activities during the special promotion period, he/she will accumulate points according to the activity rules, which shall be subject to the number of points counted by Shanghai Rural Commercial Bank.

3. The cardholder holds two or more credit cards of Shanghai Rural Commercial Bank, and their points are accumulated into the cardholder's credit card account, and the credit card points generated by the supplementary cards are included in the name of the main card.

4. If there are special provisions on some credit card products, the points will not be consolidated.

5. If the goods or services purchased by credit card are returned due to any account refund factor, or for any other reason, or the money is returned due to bill signing disputes or other reasons, the credit card points that the cardholder has obtained will be adjusted by Shanghai Rural Commercial Bank in proportion to the amount of the returned money.