How to redeem ICBC credit card points
To redeem ICBC credit card points, you can directly log in to the ICBC mobile APP or after logging in to ICBC e-Life, click Points Redeem and select the corresponding gifts or instant discounts through WeChat payment
How to redeem industrial and commercial credit card points for cash
1 User logs into ICBC online banking, enters the ICBC e-purchase page, and finds what he needs Some products are marked with the words "points for cash", and points can be used directly to offset part of the cash during settlement.
2 Users log in to ICBC e-Life and select "Points to Credit Card Repayment Fund" on the homepage. 734 points can be exchanged for 1 yuan of credit card repayment funds. After the page jumps, enter the credit card repayment directly and you can use it. Points redeemed.
1. Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder, and pays the cardholder according to the payment amount. The cardholder applies and the consumption funds are deducted from the cardholder's credit card account in installments, and the cardholder repays according to the monthly credit amount. In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.
2. Credit card late payment fees refer to the situation where the cardholder’s actual repayment amount is lower than the minimum repayment amount on the due date of the credit card, and the cardholder must pay late payment fees for the unpaid portion of the minimum repayment amount. Generally, It is 5 of the unpaid portion of the minimum repayment amount. However, due to different policies of various banks, the minimum amount set is also different. Therefore, cardholders who have large overdrafts during the Spring Festival holiday must remember the final repayment date after receiving the bill, and strive to pay off all previous consumption before the due repayment date. If you really haven’t paid it yet, apply for installment repayment as early as possible or adopt the minimum repayment method to avoid being penalized by the bank.
3. When canceling a credit card account, if your card has not expired, some banks stipulate that you need to go to a designated outlet to handle the card collection business, and then come back after a certain period of time (up to 30 days) to handle the formal cancellation. Account procedures. This is mainly because if the cardholder has made a manual card pressing transaction before canceling the account, the cardholder will have already canceled the account before the merchant has submitted the card pressing form to the bank for entry into the account, and the bank will not be liquidated normally; On the other hand, if the cardholder spends money or withdraws cash overseas, it may take a few days to settle the account. If the account is closed immediately, it will also affect the bank's normal liquidation.
How to redeem ICBC credit card points
Please log in to mobile banking, select the "Life (Benefit Selection) - Points" function, and use your personal comprehensive points to redeem products. Please refer to the regulations and displays of each region for specific redemption conditions.
(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation.)
How to redeem ICBC points
1. You can log in to ICBC's official points mall, ICBC E-Shopping, click on the product that needs to be redeemed, then enter and check Use Points when making payment to redeem the product.
The specific redemption method is as follows:
1. Open the official website of ICBC and click the E-Buy button above to enter the points mall.
2. After entering the points mall of Rong E Gou, click on the product that needs to be redeemed and then click the Buy Now button below.
3. The page jumps to the order confirmation interface and adds the delivery address.
4. Check the Use Points for Cash button in the payment method at the bottom of the page to see the points consumed, and then click the Submit Order button.
5. When the page jumps, you can see that the redeemed product order has been successfully redeemed.
Second, exchange on the official website of ICBC.
a. Log in to the personal online banking of the Industrial and Commercial Bank of China; computer: macbookpromos14 and open Google version 92.0.4515.131v
b. Select credit card - business processing - point redemption - enter account login - select gift - redeem immediately; c .Select the gifts and quantity to be redeemed, and fill in the mailing address. 3. Exchange at ICBC branches.
Cardholders can bring their bank card and ID card and exchange directly at ICBC branches. 4. Industrial and Commercial Customer Service Hotline Redemption
Cardholders call ICBC at 95588, select manual service according to the prompts, and ask customer service staff to help redeem credit card points. ICBC credit card points can be redeemed for many things, including gifts, miles, phone bills, etc. In short, it is quite cost-effective. When you reach a certain amount of points, you can choose what you want to redeem. What everyone needs to know here is that you must apply for a credit card based on your actual situation. Don't apply for a credit card just because it has more discounts. Credit cards have annual fees. If you don't have the ability, don't apply for it easily. Swipe points at ICBC designated merchant POS machines to redeem products, vouchers, or a certain percentage of off-payments. Details of the event can be found through the "Promotions" or "Credit Card" section of the ICBC portal website.
Industrial and Commercial Bank of China Credit Card Points Accumulation and Redemption Guide
1.
ICBC Credit Card Points Accumulation Rules
2.
ICBC Credit Card Points Redemption Rules
3.
ICBC Credit Card Points Validity Period
ICBC Credit Card Points Accumulation Rules
1. ICBC Credit Card Points Accumulation Rules
ICBC credit card users will earn 1 point for every RMB 1 spent, 1 point for every HKD spent, and 8 points for every USD 1 spent. Any less than 1 RMB will not be counted.
2. No points will be accumulated for transactions in the following situations
1. Wholesale transactions: such as tobacco, beer, building materials wholesale, computer malls, etc.
2. Transfer transactions: such as loan deductions, automatic transfers of utility bills, transfer transactions for purchasing securities or funds, insurance deductions, etc.
3. Professional transactions: such as hospital payments, provident fund payments, tax payments, school payments, insurance payments, real estate sales, car sales, online transactions, auctions and pawns, etc.
4. Stored value transactions: such as gas card recharge, phone bill recharge, prepaid recharge, etc.
5. Other transactions that are deemed not to be accumulated points will not accumulate points.
ICBC has the final right to decide whether points will be accumulated for a transaction.
ICBC Credit Card Points Redemption Rules
1. ICBC Credit Card Points Redemption Mileage Rules
2. ICBC Credit Card Points Redemption Methods
1. Log in to personal online banking to redeem ICBC credit card points
(1). Cardholders log in to ICBC personal online banking;
(2). Select customer service-- Points management--points redemption--physical gifts--select "Credit Card Points-I want to redeem"--enter the redemption screen;
(3). Select the gifts and quantity to be redeemed. If the number of points meets , the shipping screen will pop up, select the default shipping address or re-enter the mailing address and zip code (Note: To effectively send gifts, please be sure to enter the correct contact number in the address bar);
(4) . After the redemption is completed, the customer's credit card points will be deducted in real time and a redemption document will be generated;
2. Go to the designated business outlet to redeem ICBC credit card points
(1). The cardholder must Bring your ID card and Peony credit card (if the agent is an agent, you should provide the agent's identity document and the cardholder's identity document) to the designated business outlet to apply for point gift redemption;
(2), the cardholder now inquires about himself For the number of credit card points, select the corresponding gift according to the number of points and fill in the redemption application form;
(3). The counter staff at the business outlet will redeem the points according to the cardholder’s redemption application form;
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(4). If the gift selected by the cardholder can be collected at a business outlet, the cardholder can receive it in real time; if the selected gift can only be mailed, ICBC will process the point gift selected by the cardholder. Unified delivery;
(5). If the selected gift has been redeemed, the customer can choose other gifts to redeem.
3. ICBC Credit Card Points Redemption Mileage Regulations
1. ICBC Credit Card Points Redemption Air Miles Activity is only available to airline members themselves. Cardholders applying for redemption must first become Club members of relevant airlines must provide their membership cards. Once the redemption application is accepted, it cannot be changed or canceled.
2. The airline miles approved for redemption will be deposited into the member’s account within 10 to 15 working days by the airline. Please refer to and abide by the service terms and rules published by each airline for the validity period and usage method of the redeemed airline miles. Our bank will not be responsible for any disputes related to this.
3. Points can only be redeemed using ICBC credit cards. Co-branded points are not eligible for redemption activities. The number of air miles is limited and must be redeemed while supplies last. The personal income tax costs involved in the activity will be borne by the cardholder himself.
The validity period of ICBC credit card points
1. The validity period of ICBC credit card points
The validity period of ICBC credit card points is 2 years. The majority of cardholders can redeem their accumulated credit card points. When choosing a gift of your choice, be sure not to ignore the important factor of credit card points validity period, otherwise the points you have worked so hard to save will be "reset to zero", which is not worth the loss.
For example, Ms. Xu applied for the ICBC Peony Mango Credit Card in May 2009, and the card will expire on May 31, 2012. According to the validity period regulations of ICBC credit card points, the accumulated points balance in the card in May 2011 was 100,000 points. If Ms. Xu did not consume the points in the credit card before May 31, 2011, the points in the card will be expired after May 31, 2011. Automatically invalid.
II. Validity period of ICBC credit card points
The validity period of ICBC credit card points is the period of value-added function provided by the bank to encourage cardholders to use credit cards for consumption. During the validity period, the points are accumulated to A certain amount can be redeemed for corresponding gifts or other services. However, if you want to redeem attractive gifts, you must first understand the validity period of credit card points to avoid the embarrassment of expiring points, otherwise you will lose both points and gifts.
If you apply for the main card and the supplementary card of the same ICBC credit card at the same time, the points of the main card and the supplementary card will be unified and calculated under the main card account, which will make your points grow faster.
Moreover, the points between the different cards you apply for can also be combined and calculated. You can swipe various cards as you like, and the points will be accumulated in the same way.
The credit card points of the airline card are calculated separately and cannot be combined with other credit card points. For details, you can log on to the ICBC website.
This ends the introduction on how to redeem ICBC credit card points and how to redeem ICBC credit card points for gifts. Did you find the information you need?