In order to encourage customers to spend, banks have made a big fuss about credit cards. In addition to various value-added and preferential services, the biggest thing in common is "points". When a customer swipes a card, the bank will score points according to the customer's consumption amount. The standard given by most banks is flower 1 yuan currency product 1. But in some special POS machines, such as buying a car or a house, credit cards are not counted.

What is the function of integral?

Basically, customers of every bank can use the accumulated points of credit card consumption to exchange gifts and offset consumption on the bank credit card official website, such as pots and pans, movie tickets, air miles, electronic equipment, books and so on. (as shown below), and credit card points are also one of the options.

Generally speaking, electronic equipment, electric stoves, air miles, etc. have higher requirements for redemption points (generally more than 100,000 points or even hundreds of thousands of points), while movie tickets, Starbucks coffee, etc. have lower requirements for redemption points (generally only a few thousand points).

Many banks' credit card points will be "cleared" automatically after two or three years (for example,1October 20 15 1 20171February 3 1 or 2018/.

Why didn't Starbucks close down like this?

Starbucks will certainly not go bankrupt, because every cup of coffee exchanged by users will eventually be settled by the bank and paid to Starbucks at the price. You exchange gifts on integral mall, and the bank wants to buy gifts and mail them to you, so you go to Starbucks to exchange points for coffee, and finally the bank pays.

In fact, the points are a bit similar to the cash coupons given to you by the bank. Therefore, it is very common to buy and sell credit card points in society now, and they are all clearly marked. Generally, the points of 10,000 are between 200,000 and 500,000.

Therefore, if you change more, Starbucks will earn more, so it will not go bankrupt at all. Maybe Starbucks will give some discounts when settling accounts with the bank, but it can't be a loss. You don't have to worry about this at all.

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In reality, many customers forget to use these points for one reason or another after spending with credit cards. It's really a waste. It is suggested that if you have a bank credit card, you can log in to the bank credit cards in integral mall and official website to see if there are any convertible gifts. In addition, it is best to concentrate on one or two credit cards, so that the points are high and you can exchange them for better gifts.