Because if this discussion over Samsung Pay I have used mine 4 times but it is not a credit card is my debit card. I also used it in Walmart twice and didn't think it was talking it because the machine didn't make a beep or anything but then it all for my pin so I knew it had gone through. I was looking at the receipt to make sure it had done what it was suppose to do and it showed the # assigned to Samsung pay (last 4 digits) so then I knew it was working and it may mean anything to those who use it everyday but I have earned almost 300 points in 2 days! And what can you redeem the points for? I know I have a long way to go but curious of what the accentive is.