Some credit card points are not permanent, no matter how many points you earn, after all, you have worked hard for a year. At this time, let's take a quick look. Credit card points should be used effectively.

Familiar with: Summary of the validity period of points of major banks

Different banks treat the validity period of points differently. Even in the same credit card issuer, the validity period of different types of card points is different. If you don't want your points to be "silently cleared" after the expiration, you must do your homework.

Make good use of: points can be spent as "money"

For many consumers, although points look attractive, they are hard to save and spend. Even if there are many points, it will be inconvenient to exchange because of various restrictions. In fact, exchanging points for gifts as in the past may not be an ideal way to use points.

Now that the consumption pattern of credit card points has been renovated, it is king to directly deduct the consumption amount with points. It should be said that if you spend the points as money, you don't have to worry about the situation that the points are expired and can't be used.

First of all, if you are used to online shopping, all kinds of Taobao co-branded cards are good choices. Credit card points can be obtained for online and offline consumption of such cards, and points can be converted into cash when shopping on Taobao. Take the new Taobao card of Shanghai Rural Commercial Bank as an example. The redemption standard is: 500 credit card points = 100 Alipay points = 1 RMB.

In addition, points can also be directly used for cash when shopping offline. Ping An Wanlitong is the first general point platform in China, and Wanlitong points can be used for shopping in mainstream e-commerce companies such as Taobao, 1 store and JD.COM. It can also be transformed into offline physical merchant goods such as McDonald's, Starbucks and the whole family; Can also be converted into Air China, China Southern Airlines, Ctrip and other points to spend; Even support points for financial products, such as insurance, investment and wealth management, gold jewelry, loans and so on. The exchange rules are: 500 points = 100 coins = 1 yuan.

Be careful to "clear" the trap of integral.

Credit card points have a limited validity period and are also used by some lawless elements. Especially at the end of the month, for example, some fraudulent text messages will take "your bank card points are full, and you can exchange them for 1000 yuan in cash according to the prompt" as bait, and will also prompt that if you don't exchange them before a certain date, the points will be cleared. In fact, some users usually don't pay attention to their own points, and they are suddenly told that points can be exchanged for gifts or cash, and there is a time limit, so it is easy to step into the "trap".

Website reminder:

Because the address of phishing websites is usually a few letters away from the correct official website, it is very easy to be confused. So don't click on the link on the SMS easily, and try to check with the bank in official website. In addition, it is worth reminding that the bank staff will not ask the cardholder's card number and password on the phone, but let the cardholder input it through voice prompts. After receiving such calls, you should further take the initiative to call the bank credit card customer service for confirmation.