At present, there are Ping An Bank, China Construction Bank, Minsheng Bank and so on. Ping An Bank has the cheapest credit exchange rate, followed by China Construction Bank and Minsheng Bank. The exchange standard is simpler than the first two.

1. Ping An Bank: 10200 points can be exchanged for 20 yuan, 25,500 points for 50 yuan and 50,000 points for 100 yuan. The cardholder logs in to Ping An Wanlitong integral mall, and operates in the "Telephone Charge Recharge" item in the home menu "Convenience Service".

2. China Construction Bank: 1 1000 points can be converted into 20 yuan phone bills, 28,000 points can be converted into 50 yuan phone bills, and 54,000 points can be converted into 100 yuan phone bills. Each customer can exchange 40 20 yuan phone bills and 20 50 yuan phone bills, 10 yuan 100 phone bills.

3. Minsheng Bank: 7,000 points can be exchanged for 10 yuan, and can be exchanged for 50 yuan at most every month. The cardholder logs into the mobile banking of Minsheng Bank, and finds the item of "point recharge" in "payment recharge" for redemption.

Credit card points can not be directly converted into cash, but can be converted into various coupons or gifts, and then converted into air miles, saving cash expenses. Credit card points redemption is a normal behavior and will not have any impact. It should be noted that credit cards need to choose formal channels to redeem points.

When you use credit card points to redeem, you generally need more points. When the points are insufficient, users can use the points plus cash. In order to get more points, users can use credit cards to spend more in peacetime, but not all consumption will generate points, which is what everyone needs to pay attention to. Scenes where credit card consumption can generate points include hotels, convenience stores, restaurants, cinemas and so on. Scenarios that do not generate points include real estate, automobile sales, wholesale transactions, public hospitals, public schools, government services, charity and public utilities. What is worth mentioning is overdraft interest, late payment fee and over-limit fee. No integral will be generated.

Users must repay on time after using credit cards, and there can be no overdue repayment, because there will be penalty interest after overdue repayment. The longer the time, the more penalty interest will be generated. In fact, when the credit card can't repay on time, users can use installment repayment or minimum repayment amount, which can reduce the monthly repayment amount and avoid overdue.