How to redeem Bank of China credit card points for products?

You can redeem points through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, Bank of China Points 365 website () and other channels. Credit card transaction points can be used to redeem various physical gifts, non-physical gifts, value-added services, financial services, charitable donations, etc. Points can also be redeemed for cash payment through designated offline merchants.

The above content is for your reference, please refer to actual business regulations.

How to redeem credit card points

Credit card points can be redeemed in the following ways:

(1) Through the bank’s official website, self-service voice calls, text messages, etc. Channel application to redeem gifts provided by the credit card point mall.

(2) Use points to offset part of the amount when swiping your card offline at the bank's cooperative merchants.

(3) Call the bank’s credit card customer service hotline to apply for points redemption.

(4) Exchange at a bank outlet.

When using points to redeem goods online, be sure to fill in the correct address to avoid wrong delivery.

What is the most cost-effective way to redeem credit card points?

1. Try to redeem virtual goods

Although most banks can provide a wide range of credit card point redemption products, cardholders are best to choose virtual goods for redemption, such as mobile phone recharge cards , supermarket shopping card or gas card, etc. Do not choose to exchange for physical goods.

After cardholders use credit card points to redeem physical goods, in addition to needing consumption points, some banks will require cardholders to pay shipping costs, which will cause additional expenses. According to surveys, many cardholders reported that the bank’s physical goods The delivery of goods is slow, and some people even receive their exchanged goods after a month.

In addition, if there are quality problems when redeeming physical goods, banks are usually not responsible for after-sales service. Generally, the cardholder is required to negotiate with the merchant providing the goods, and the goods exchanged by the cardholder are used Most banks are unable to provide invoices, which makes cardholders encounter difficulties when returning or exchanging goods.

2. Try to redeem high-value products

When bank points are redeemed for products on the website, there will be many types, although logically there is not much difference in the value of the products that can be redeemed with the same points. , but when redeeming points, the prices of the products that can be redeemed with the same points will still be different. If you are hesitant among several products, you may wish to check the prices of these products on the shopping website first, and try to choose the best price. high product.

3. Try not to redeem products that require additional money

There are many points-based products that, in addition to credit card points, also require the cardholder to add some cash to redeem them. However, points exchange The product shown in the picture is free. Unless you really like a certain product and have checked the original price of the product online, and you really think it is appropriate to redeem it, try to exchange it for a product that does not require extra money.

How to redeem credit card points for cash

How to redeem credit card points for cash is as follows:

1. Redeem through the website: First, you need to log in to CITIC Bank’s online banking , and then click to enter the points mall. You can see the display of points in the mall, select the product to be redeemed, submit the order, and set the items to be redeemed, so that the redemption can be successful.

2. Redeem via text message: Use the text message you registered with CITIC Bank: "The last four digits of the CR redemption code card" and send it to 106980095558 (note that flight mileage and other rights with member information indicated cannot be passed through SMS redemption).

3. Redeem through WeChat: First, you need to log in to the WeChat account of CITIC Credit Card, then select "My Account"-"Points Redemption", and then you can redeem points according to your actual needs.

4. Redeem via mobile phone: First, you need to log in to the "Dongka Space" app of CITIC Credit Card, then click "Youyu Points" on the homepage and select the product you want to redeem.

This ends the introduction on how to exchange credit card points for things and how to use credit card points to exchange things. I wonder if you found the information you need?