Does anyone know how the Teamcard system works?

I'm wanting to do my best for the Bulls, so who benefits if I don't claim my cashback goods at the Bullring store? I don't know how the system works and who benefits from unclaimed points not 'spent' in the club shop; is it the club or Teamcard?

I think it's the club that benefits every time you buy something that lets you claim points on your teamcard. The club gets like 1p or something for every point earned. So getting a big number of points and NOT using them is actually the best thing for the club as they get the cash for the points saved and don't have to give you a discount for those points.

At least I think that's how it works.