1. Points Rules of China Merchants Bank
Credit card spending will be scored every time it reaches 20 yuan, and less than 20 points will not be scored.
2. Consumption points of China Construction Bank
Credit card spending 1 RMB can accumulate 1 points, and spending 1 USD can accumulate 8 points.
3. Agricultural Bank consumption point
Credit card spending 1 RMB can accumulate 1 points, and spending 1 USD can accumulate 8 points.
Credit card points are very useful. Here are some common places:
1. Redeem gifts. You can go to the bank where your credit card is opened, official website, and find the option of credit card points, then you can see the gifts with redeemable points. In addition to physical objects, there will be some goods, experiences and the like.
2. integral mall exchanges gifts. You can exchange gifts at the mall. In banks, cooperative merchants can exchange points for goods or deduct a certain amount. Businesses such as Starbucks often have such credit card points redemption activities.
3. Integral oil change, such as the integral oil change of CCB Longka automobile card, belongs to the card type of CCB credit card oil card, and the integral of automobile card is generally oil change. The owner's card can also be used to change oil or toll.
4. Redeem air miles. Some credit card points can be directly converted into airline miles, and the mileage converted from points can be used when you are on a business trip or traveling.
Some credit card points can also be directly exchanged for annual fee reduction.
How to get credit card points:
1. If you want to get credit card points, you need to spend more by swiping your card. Generally, all bank credit card offline consumption will accumulate points; However, only some banks will calculate the points of online consumption; If you want an accurate answer, you can call the bank. Note: The consumption of merchants in non-profit industries such as real estate, automobiles, wholesale, hospitals, schools and charitable social services is not counted.
2. Participate in bank activities. Banks launch a series of activities aimed at credit cards every year. At this time, consumption will get more points, usually several times. You can always pay attention to the activities launched by the bank to which the credit card belongs.
Banks usually launch some special activities on cardholders' birthdays. As long as we seize this opportunity of consumption, we can get good points, and some birthdays can consume 5 times the points, which is still relatively strong.
Credit card points generally have a validity period, during which they can be exchanged for various commodities. If the validity period is exceeded, the credit card points will be cleared, so you should always pay attention to the validity period of the points while saving the points. You can call the bank to inquire about the expiration date.
When using a credit card, if the consumption is cancelled, the points generated will also be deducted, and the credit card repayment will pay the revolving credit interest, but the annual fee, late fee and installment fee will not generate points.