Group 1 - The article emphasizes the importance of monitoring and redeeming loyalty points before they expire, particularly at the end of the year when many points are set to clear [1][2] - Consumers are encouraged to check various platforms for their accumulated points, as many may have different expiration dates and redemption rules [2] - The article highlights the potential for fraud related to loyalty points, with scammers often using urgency tactics to lure consumers into clicking on malicious links [3] Group 2 - Specific examples of loyalty points usage are provided, such as redeeming points for cash discounts at supermarkets and the importance of using familiar platforms to accumulate points effectively [1][2] - The article mentions that different banks have varying rules regarding credit card points, with some points being permanent while others expire after a set period [2] - The article includes a warning from the police on how to identify fraudulent messages related to loyalty points, advising consumers to verify through official channels [3]