(1) Apply for redemption of gifts provided by credit card integral mall through bank official website, self-service voice phone and SMS.

(2) Credit points are used to offset part of the amount when the cooperative merchants of the Bank swipe their cards offline.

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

(4) Bank outlet exchange.

When you use points to exchange goods online, you must fill in the exact address to avoid sending them wrong.

How to exchange credit card points is the most cost-effective?

1. Try to exchange virtual items.

Although most banks can offer a variety of credit card points redemption, cardholders should choose virtual goods for redemption, such as mobile phone recharge cards, supermarket shopping cards or gas cards, rather than physical goods for redemption.

After cardholders use credit card points to exchange physical goods, in addition to spending points, some banks will also require cardholders to pay freight, which will generate additional costs. According to the survey, many cardholders reported that the bank's physical delivery speed was slow, and some people even received the exchanged goods one month later.

In addition, if there are quality problems in the exchange of goods, banks are usually not responsible for after-sales, and generally need cardholders to negotiate with the merchants who provide goods. However, cardholders use credit card points to exchange goods, and most banks cannot provide invoices, which makes it difficult for cardholders to return goods.

2. Try to exchange high-value goods.

There will be many kinds of goods on the website when the bank points are exchanged. Although there is little difference in the value of goods that can be exchanged for the same points, there will be differences in the prices of goods that can be exchanged for the same points. If you are hesitant about several items, you may wish to check the prices of these items on the shopping website first, and try to choose the goods with high prices.

3. Try not to change the goods that need to be increased.

There are many products with points, except credit card points, which require cardholders to add some cash to exchange. However, the point redemption product map is free. Unless you like a product very much and check the original price of the product online, you really think it is appropriate to exchange it, otherwise try not to add money to exchange it.