Now the points are all credit card points returned by the bank according to your credit card spending. You can exchange gifts on the CCB website. The points generated by CCB's credit card consumption are valid throughout the year within the validity period of the credit card. If the points are not redeemed after the credit card expires, the user can transfer the points to the new card after replacing the new card, and the points can continue to accumulate. If the credit card has not been used due, it can be transferred to another card under the cardholder's name. Credit card points can be obtained by spending more at ordinary times, but many purchases will not generate points. For example, when using credit cards in schools, hospitals and other places, points will not be generated. You can spend more in shopping malls, hotels, restaurants and other places, and swipe your card for more points on your birthday.