Credit card holders with valid personal credit cards spend money by swiping their cards. In principle, every time you spend RMB 65,438+0 yuan 65,438+0 points, every time you spend US$ 65,438+0 points. Consumption in currencies other than RMB and USD shall be counted according to the USD rule.

Specify credit card products (such as Taobao Xin Card, QQ Xin Card, etc.). ) There are points for consumption through specific channels. Taobao new card spends 1 yuan 1 minute on Alipay Express Payment Platform, and QQ new card spends 1 minute on Tenpay Express Payment.

When cardholders participate in related activities during the special promotion period, they will earn points according to the activity rules, subject to the published points rules and the validity period of points.

Overall application scope

1. For customers with multiple credit cards, the points will be integrated into their accounts. (Except Xinfeng Card, Xincheng Card, You Xiang Platinum Card (Education Staging), Platinum Business Card, Xinchi Platinum Card (License Plate Staging), Xinhe Agricultural Card and Rural Revitalization Theme Card, credit card points are independent accounts and cannot be merged).

2. If the purchased goods or services are returned due to any account refund factor or any other reasons, or the money is returned due to bill signing disputes or other reasons, the credit card points obtained by the cardholder will be adjusted by our bank in proportion to the refund amount.