With the popularity of credit cards, banks have introduced various preferential policies in order to attract cardholders to increase their spending quota and active users. One of them is credit card payment. Many people have questions about Bank of Communications' credit card payment: How to get credit card payment? Once obtained, how to use it? This article will answer these two questions in detail.

I. Ways to obtain credit card funds of Bank of Communications Bank of Communications provides various ways to obtain credit card funds. The following are several common ways:

1. Cash back for consumption: you can enjoy a corresponding proportion of cash back or give away points through specific consumption channels (such as supermarkets and restaurants). ) within the specified time, so as to deduct the corresponding amount when shopping in the future.

2. Promotion of activities: Bank of Communications will hold various promotional activities from time to time. During the activities, it will hold a designated credit card and spend according to the specified conditions, and you can get additional discounts or rewards.

3. Some credit cards of Bank of Communications will also provide a quarterly cashback policy, which will be returned to cardholders according to a certain proportion after spending in a certain period of time.

Second, the use of Bank of Communications card payment After you get the card payment, you can use it as a payment tool to spend at the designated merchants. The following are common ways to use it:

1. Consumption deduction: Credit card payment can directly deduct the consumption amount of your designated merchant. For example, when checking out in a supermarket, if there is a credit card balance, you can choose to use it to pay part or all of the bill amount.

2. Gift redemption: Some Bank of Communications have created a platform similar to integral mall, where you can use your credit card to redeem various gifts, coupons, travel tickets and other non-monetary goods or services.

3. Online shopping: When purchasing goods on some e-commerce platforms, credit card payment may be supported for deduction. In this way, you can enjoy more benefits and convenience.

4. Transfer/withdrawal (as required): In some cases, you can transfer your credit card to others or withdraw money from your bank account. However, this method needs to follow the relevant regulations of Bank of Communications and pay a certain handling fee.

It should be noted that different credit card products and policies will be different, so you should know the specific conditions and restrictions in detail before using them. At the same time, please plan your consumption reasonably and make sure to choose the most suitable payment method and preferential policies according to your personal financial situation.