Generally, the gold card points normally used by Guangfa Credit Card are not cleared, and the points are transferred to the next period at a price of 30%.

The following are the accumulation rules of Guangfa Credit Card points after their expiration:

1, gold card: when the points expire, the gold card points will be transferred to the next period with a 30% discount, for example, the accumulated points will be 10000 points, and after the expiration, the points will be transferred to the next period with 10000*0.7=7000 points;

2. Ordinary card: Ordinary card points will be cleared and re-accumulated when they expire;

3. The card points of static customers and abnormal repayment will be cleared. For example, if all cards have not been used for more than one year, the points of all cards will be cleared. Or if a card in his name fails to repay on time for more than 4 months, the points of this card will be cleared.