The main source of integral:
1, open a card, many banks will give you certain points, as long as you activate the credit card and use it once.
2, cash withdrawal, card spending or going to ATM will have points, but in the wholesale market and other deduction rate POS machines or hospitals, schools and other public welfare institutions to charge phone bills, or Taobao Alipay have no points. No points.
Some banks earn an integral of 1 yuan, some banks spend 10 yuan to earn an integral, and some banks double or triple the integral when they engage in activities, which is actually the same, because the value of each integral is different.
Benefits of credit card points (more common).
1, gift exchange. You can go to the bank where your credit card is opened, official website, to find the option of credit card points, and you can see the points price of some goods and the goods exchanged for points. Of course, the goods in each bank may be different. In addition to physical objects, there will be some goods, experiences and so on.
2. The points can be exchanged for some consumption money, or you can go to the mall to exchange gifts. In short, this part of the exchange is provided by the merchant, and the merchant has the final say. Points are paid in cash, which is a new way in recent years. In the bank cooperative store, there will be exchange, and the points can be used as cash to buy things. For example, it can be exchanged in some department stores, such as New World Department Store and Starbucks. But generally speaking, it depends on the type of credit card. Some credit cards can be exchanged a lot, while others are less.
3. Redeem mileage. Some credit card points can be directly redeemed for mileage, but generally they need to be VIP users of airlines. The mileage redeemed by points can be used when you are on a business trip or traveling.
4. Integral oil change, such as the integral oil change of CCB Longka automobile card, belongs to the card type of CCB credit card oil card, and the integral is generally oil change. The owner's card can also be used to change oil or toll. For example, the conversion ratio of oil change for automobile card points is: 4‰ for the part above 50,000 points (that is, the part above 50,000 points is converted into 40 yuan refueling fee per 1 10,000 points), and 2‰ for the part below 50,000 points (that is, 20 yuan refueling fee per 1 10,000 points).