What are credit card points?

Credit card points mean that you spend money with a credit card, and the bank will give points according to certain rules. When the points reach a certain amount, you will be able to exchange points for gifts within the optional range of the bank.

How to query integral

1, bill inquiry. Current credit card points will be displayed on each bill;

2. Call the customer service phone of your credit card to check the points;

3. Log on to the website of your credit card and check it on the website.

Comparison of integral rules

1, comparison of consumption integral rules:

Renminbi: Except for the consumption 20 yuan of China Merchants Bank 1, all others are the consumption of 1/yuan;

USD: PUFA expenditure 1 USD, accumulative 16 USD;

CCB consumption 1 USD, accumulated 10 points;

Bank of China, China Everbright, China Guangfa, Shenzhen Development Bank and China CITIC Bank spent 8 points 1 USD;

Xingye and Huaxia spent $ 1 and accumulated 7 points.

2. Comparison of cash withdrawal points rules:

Take the existing points: Bank of China, CITIC, China Merchants, Xingye and Pudong Development.

There are no points for cash withdrawal: ICBC, Agricultural Bank of China, China Construction Bank, Bank of Communications, Minsheng, Guangfa, Shenfa, China Everbright and Huaxia.

Comparison of integral validity period

A. Permanently valid: Agricultural Bank of China, China Construction Bank, People's Livelihood, China Merchants, Xingye and Huaxia.

B, valid for several years:

ICBC credit card and BOC series credit card points are valid for 2 years;

The validity period of some credit card points of Bank of Communications and CITIC is the shortest 1 year and the longest is 2 years;

Credit card points such as Shanghai Pudong Development Bank and China Everbright Bank are valid for 2-5 years;

The credit period of Guangfa and Shenfa credit cards is the same as that of the cards.