How to calculate the credit card points of ABC?

Credit Card Points Rules of Agricultural Bank of China

ABC's credit card points rules are as follows:

1. Personal customer points can be accumulated for consumer transactions completed with the bank card of Agricultural Bank of China. Every time you spend 5 yuan RMB on a debit card, you will accumulate 1 points. If you spend less than 5 yuan, you will not be counted as points, and a single transaction will accumulate up to 300 points. Credit cards can accumulate 65,438+0 points for every 65,438+0 yuan RMB spent, 6 points for every 65,438+0 USD spent and 8 points for every 65,438+0 Euro spent.

Two, the cardholder in the following specified types of merchants (subject to the merchant category code) to complete the consumption, a single cumulative maximum of 300 points, the same account cumulative maximum of 3000 points per month.

First, the following items will not be accumulated.

1. The bank card annual fee, interest, liquidated damages, handling fees and other fees charged according to the Articles of Association of China Agricultural Bank Jinsui Debit Card, Articles of Association of China Agricultural Bank Jinsui Credit Card and China Agricultural Bank Jinsui Credit Card (Personal Card) Contract.

2. Consumption completed by bank card holders in special types of merchants, including but not limited to real estate, wholesale, sales, leasing and maintenance of various motor vehicles, airplanes and their spare parts, fuel sales, automatic fuel vending machines, public utilities, government services, tax payment, withholding, charity and social welfare, medical institutions, schools, child care, agricultural services, contracting services, gardening, electrical accessories and equipment, heating, etc. "。

3. Credit card advance cash, overdraft cash withdrawal and other transactions.

4. Other projects specified by Agricultural Bank of China. The information in this merchant list will be adjusted from time to time. Please refer to the information published on the website of Agricultural Bank of China. Points cannot be transferred to other cardholders or any third party.

5. The integral of the main card and the auxiliary card of the same account is calculated in the main card account, that is, the account-level integral balance.

6. Account-level integral balances of different accounts under the same cardholder's name, that is, customer-level integral balances, can be automatically merged when applying for partial redemption. The points of aviation co-branded cards such as Jinsui HNA Co-branded Card, China Eastern Airlines Co-branded Card and Auspicious Aviation Co-branded Card IC Card are automatically converted into airline miles, and they do not participate in the consolidation of customer-level points.

7. When the credit card holder cancels the account, if other credit cards are in normal use (except the aviation co-branded cards such as Jinsui HNA co-branded card), the points in the cancelled account will still remain in the cardholder's name. If there is no other credit card, the points in the cancelled account will be cleared. The debit card holder cancels the account, and the points in the account are automatically cleared.

8. The Bank will conduct other integral activities from time to time according to the rules announced during the activities. If the cardholder's consumption meets the conditions of two or more reward activities at the same time, the points will be accumulated according to the highest reward multiple. At the same time, the cumulative upper limit of monthly points of designated merchants will not change due to reward points activities.

9. If the merchant category code does not match the actual category of the merchant, please consult the merchant and the acquiring institution (that is, the bank where the POS machine is deployed or other relevant institutions). So we are not responsible for the influence of integral accumulation.

When 65438+ is deducted, the balance of points is insufficient, and the account to which the original transaction belongs will generate negative points. After the negative points appear, the cardholder needs to offset them through the accumulated points of consumption in the account. An account with a negative integral balance cannot be closed.

1 1. If the cardholder is suspected of using untrue transactions to obtain points, the bank has the right to require the cardholder to provide invoices, shopping vouchers and other materials for consumer transactions to verify the authenticity of the transactions; If the cardholder is unable to submit relevant materials, the bank has the right to refuse to pay. Once it is verified that the cardholder has obtained points exchange arbitrage due to untrue transactions, the bank reserves the right to pursue further besides taking measures such as freezing points, clearing, freezing cards and canceling cards. If the above acts may constitute a crime, the bank has the right to report the case to the public security organ and provide relevant materials and information to the judicial organ.

Two, China Agricultural Bank credit card points rules

Cardholders can convert individual customers' points into corresponding feedback items according to the points exchange standard of Agricultural Bank of China, and the application for points exchange is limited to the presiding cardholder.

1. redemption of special card points: all account-level points of aviation co-branded cards such as Jinsui HNA co-branded cards are automatically converted into aviation miles, and other points redemption activities are not allowed.

2. Redemption of points and gifts: customers can apply for redemption of points and gifts through credit cards, and the balance of points at the customer level will be deducted from regular points and annual fees. The gifts in Pleasant Goat Co-branded Card and Beautiful Upgrade Mom Card are only for the corresponding cardholders to apply for redemption.

3. The specific redemption rules for points redemption items such as point consumption shall be subject to the latest announcement or catalogue of points redemption activities at that time.

4. Customer-level points deduction does not distinguish between debit and credit card accounts, and the points entered in the earliest year will be deducted first.

5. The cardholder must have enough available points to redeem the exchanged items. Insufficient points, the gift exchange application will be cancelled automatically.

6. Once the redemption application is submitted, it will not be changed or cancelled, and the required points will be deducted from the cardholder's account. Unless the gift is damaged or missing in the process of transportation or the gift itself has quality defects, it is not allowed to be returned.

7. When the cardholder applies for redemption, it is deemed that he agrees to use personal data such as communication and mail for the distribution of gift suppliers.

8. If the name of the gift submitted in the redemption application is inconsistent with the redemption number, the redemption number shall prevail.

How to exchange credit card points of ABC?

1. Telephone exchange: directly call the official customer service number of Agricultural Bank of China Credit Card, and apply for points exchange after switching to manual service;

2. Online banking redemption: directly log in to the online banking of Agricultural Bank of China, enter the credit card integral mall, and then redeem gifts according to the credit card points held by individuals;

3. SMS redemption: Send SMS "last four digits of CCJFDH# # Gift number (4 digits) # Redemption quantity (2 digits)" to 1069095599 to submit the application for redemption of points.

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