How to use the Bank of Communications credit cards? Nowadays, each bank’s credit card basically has its own exclusive activities. The card credits are the reward rights provided by Bank of Communications to its credit card users. Users who have obtained the Bank of Communications card credits can When swiping a card for consumption, the card swiping money is directly used to deduct the transaction principal. When the Bank of Communications credit card is used, the system will automatically deduct it generally within three working days after the cardholder swipes the card for consumption, and Bank of Communications will return the transaction amount deducted by the card credit to the cardholder's credit card account. For example, if a cardholder has a credit of 100 yuan and spends 200 yuan with a credit card, he or she needs to pay a consumption limit of 200 yuan. Within three working days, Bank of Communications will return the credit amount of 100 yuan to his or her account. When the credit card is used, it generally has a scope of use and a period of use. Therefore, if the user obtains the credit, he must pay attention to the time of his rights to avoid the expiration of the credit. In addition, Bank of Communications card payment cannot be transferred or used to offset credit card handling fees, return bills, etc. It can only be used for consumption supported by Bank of Communications. Scope of use of Bank of Communications card swiping funds Bank of Communications's card swiping funds are not supported by all purchases. They have a certain range of use. Generally, merchants that cooperate with Bank of Communications can use them. Different card types have different applicable scopes. Bank of Communications' credit card credits can be used at merchants participating in Bank of Communications' "Redtest Friday" activities. In addition, card types such as Walmart co-branded cards can also be used at corresponding merchants. Due to different activities, Bank of Communications' card credit sometimes has different scope of use. Therefore, after receiving the card credit, users can carefully check the activities and usage rules. The usage rules will clearly explain the scope of use. You can use the card credit Merchants will also be listed and displayed. How to obtain Bank of Communications card swiping funds? Bank of Communications card swiping funds can be directly deducted and used, so Bank of Communications credit card users will also want to obtain card swiping funds through various channels. The main ways to obtain card swiping gold are to obtain activities and redeem points. Activity acquisition: Bank of Communications holds the "Redtest Friday" event every year. In this event, there is an activity that gives away credit card credits. As long as you meet the requirements of the activity, you can receive the credit card credits. The credit card credits obtained by participating in this activity can be obtained as long as you meet the consumption requirements. The refund will be based on 5% of the credit card fee. Bank of Communications also has a card swiping bonus activity for new users. Generally, as long as you meet the event conditions within the limited activity period, you can receive a 50 yuan card swiping bonus. Specific activities need to be subject to actual conditions. If you want to get credit card rewards through activities, you can pay more attention to the credit card activities launched by Bank of Communications every month. If the activity suits you, you can participate in receiving credit card credits. Points redemption: Some of the credit cards designated by Bank of Communications can obtain card credit by redeeming points, such as Lotte Mart Credit Card, Golden Eagle Credit Card, etc. Users can check whether their card type meets the redemption conditions in the card redemption details. Users who meet the conditions can use points to redeem.