If the user uses a credit card to spend points, then the credit card must be returned on time after use, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. Moreover, overdue records will be uploaded to the credit information center, which will lead to poor personal credit information and affect the handling of subsequent loans.
If you can't return it on time after using the credit card, you can use installment repayment or minimum repayment amount, which can effectively reduce the monthly repayment amount and avoid overdue. However, the conditions stipulated by the bank must be met when handling the installment, and it can be returned in advance after the installment, saving the handling fee.
Finally, ICBC points should be used in time after they are obtained. General points can be exchanged for some rights. The points obtained will be invalid if they are not used for a long time, and the validity period of the points is up to 5 years. Users can check personal points through different channels, including bank counters and telephone customer service.
First, how can ICBC's card have the consumption type of points?
How can I spend money to get credit card points from ICBC? Generally speaking, users must go to the designated merchants of Peony Credit Card to conduct POS transactions, or shop on the designated website to be considered as consumption, and then they will get points. Specifically:
(1) Within the scope of participating in ICBC points, Peony Credit Card can accumulate 1 points for every 1 yuan (1 HK$) and 8 points for every 1 USD and1Euro.
(2) Credit card for medical treatment: If the hospital uses POS, it is generally calculated according to consumption, and points can be obtained at this time. However, if there is an ATM in the hospital, you can withdraw money at the ATM and there will be no points.
(3) Paying the mobile phone fee is a transfer, not a consumption. That is, transfer the money in your account to China Mobile (or China Unicom or China Telecom), and the transfer will be regarded as cash withdrawal, and you will not participate in the credit card points activities of ICBC.
(4) Buying electricity is a transfer, not a consumption. Transfer to the power company, transfer is regarded as cash withdrawal, and do not participate in ICBC credit card points activities.
(5) Pay the annual internet access fee, transfer money and withdraw cash online, and do not participate in ICBC credit card points activities.
(6) Pay the membership fee online. Dual-currency credit cards can be traded online on domestic and overseas websites. If you do business according to the general online shopping method, that is, online transactions count as consumption, you can earn points. However, if it is an online transfer, it will be regarded as cash withdrawal and there will be no points.