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Why do I need to fill in references for credit card points redemption of CITIC Bank?
No need.

There is no need to fill in the reference for credit card points redemption of CITIC Bank. Redemption of points is a personal right, and cardholders can freely choose to redeem gifts according to their own needs and points balance. CITIC Bank provides online banking, SMS, telephone application and other communication channels, all of which do not need to fill in the reference information.

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