1. Cardholders must redeem gifts within the validity period of points in their cards. If it expires, the credit card points will be cleared automatically.

2. Once the cardholder's gift exchange application is accepted by the bank, the application cannot be cancelled or changed, and the cardholder's points will be automatically deducted after the successful exchange.

3. The cardholder shall not transfer the points to a third party, and the points shall only be used for exchanging gifts provided by the bank and shall not be used for other purposes.

4. If the gift received by the cardholder after successful redemption has quality problems, it must be contacted by the bank, which will contact the supplier, and then the supplier will contact the cardholder.

Guangfa credit card points 180000, convertible gifts are as follows: