1, accumulation of integral
(1) Accumulate credit card consumption points, with a single consumption of RMB 20/USD 2 1 point. Car cards and city theme series gold cards accumulate 1 points for every 20 yuan or USD 2, and an extra 50% points are given (the points are rounded off), but the validity period is 2.5~3 years. YOUNG card, Sina Weibo credit card and GQ card holders will get 1 times extra points in the birthday month, with a maximum of 2,000 points.
(1) Points belonging to account: All points accumulated under the names of the main cardholder and the supplementary cardholder belong to the points account of the main cardholder and are only used by the main cardholder. Personal card and personal business card points that accumulate permanent valid points of China Merchants Bank credit card are calculated together.
2. Time and validity of credit entries
The accumulated points of credit card consumption will take effect on the day after the consumption record. If there is a credit card refund, the points of this consumption will be deducted. Credit card points of China Merchants Bank are permanently valid. Car card and city theme series gold card points are valid for 3 years. The validity period of mileage points of aviation co-branded card shall be subject to the announcement of the partner.
3. Transactions and expenses that do not calculate points.
(1) Annual credit card fee, revolving credit interest, handling fee and interest on cash advance, expenses arising from overdue repayment (such as liquidated damages and interest) and other handling fees stipulated in the credit card collection contract of China Merchants Bank;
(2) Relevant expenses withheld and remitted;
(3) the consumption of low-rate and zero-rate merchants such as real estate, automobile sales, wholesale, public hospitals, public schools, government, finance, charity, resident services, and non-profit social services;
(4) China Merchants Bank stipulates that it will not participate in the consumption transactions of integral merchants.