积分只是使用信用卡的一个附带优惠，不能被它牵着鼻子走，否则得不偿失。小优又补充，银行之间的积分规则略有差异，大多数银行是1元人民币计1分，1美元计1分或分，也有银行是2元人民币计1分，2美元计1分，这时如果刷卡到19元之类，可加点小东西，凑满2元，否则19元 Accumulating points is just a side benefit of using a credit card; we shouldn't be led by the nose by it, otherwise it would not be worthwhile. Xiao You added that there are slight differences in the accumulating points rules among different banks. For most banks, one point is awarded for every 1 yuan spent or every 1 dollar spent. Some banks award one point for every 2 yuan spent or every 2 dollars spent. In this case, if you spend up to 19 yuan, you can add a little thing to make up 2 yuan; otherwise, spending 19 yuan cannot get you any point.