1, there is no integral, why is there no integral? Because the bank didn't make a profit from this credit card consumption, it doesn't make any sense. For example, if you use your card to pay taxes in the IRS and local taxes, the bank will not make a profit, so there will be no points. So let me sum up, banks don't take profit-sharing transactions, and there are no points.

2, there are points, ordinary merchants, restaurants, KTV, supermarkets and so on. There are points here, and even a high point. Banks encourage spending on these occasions because they can make a profit from it.

The purpose of banks is to make money. The bank will pay you for a few days without interest. How to give points if you don't earn a penny? Very easy to understand.