1. Credit card points of rural commercial banks are only applicable to the scope of this activity, and can be redeemed for gifts designated by rural commercial banks, or other virtual items such as Alipay Jifenbao, Q coins /QQ products (see the notice published on the website of rural commercial banks for redemption standards and rules), or other virtual items (only for world platinum credit cards).

2. The points shall not be transferred to other cardholders or any third party, and any transfer shall have no legal effect on Shanghai Rural Commercial Bank. Without the consent of Shanghai Rural Commercial Bank, the points may not be converted into cash or given other non-point gifts.

3. After successful redemption, the credit card points held by the cardholder will be deducted from the corresponding credit card points and cannot be cancelled or changed. Credit card points are insufficient, and the points in the cardholder's account cannot be exchanged.

4. The gift catalogue, redemption standards and redemption rules of credit card points redemption activities shall be subject to the latest credit card points announcement or gift catalogue published on the day of redemption activities.

5. If there is a limit on the number of credit card points, they will be redeemed until the end; The standards and rules for redemption of credit card points, if valid, cannot be redeemed after the deadline. During the integral activity, if the gift is stopped or upgraded, the credit card department of Shanghai Rural Commercial Bank will contact the cardholder to replace the corresponding gift.

6. The gift patterns listed on the website or credit card integral manual are for reference only, and the material object shall prevail. After the cardholder redeems the gift, the money will not be refunded except for quality problems; If cardholders have questions about redeeming gifts, they can call the customer service hotline of Shanghai Rural Commercial Bank for feedback.