There are differences in sources, uses, inquiries and redemptions.

1. Source of points: Changsha Bank credit card points are mainly obtained through credit card transactions such as consumption, cash withdrawals, and installments, while happy points are mainly obtained through handling business at Changsha Bank, participating in activities, etc.

2. Points use: Changsha Bank credit card points can be used to redeem goods, offset annual fees, etc., while happy points can be used to redeem prizes, coupons, etc.

3. Point inquiry and redemption: Changsha Bank credit card points can be checked and redeemed in the credit card APP, while happy points can be checked and redeemed in Changsha Bank mobile banking or at the counter.