1. Pay attention to the validity period of credit card points

Paying attention to the validity period of all credit card points in your name is an essential homework for every cardholder. It is reported that the credit card points of many banks such as Agricultural Bank of China, China Construction Bank, China Merchants Bank, and Minsheng Bank are permanently valid. That is to say, as long as the cardholder sends a new card to the bank after opening the card and continues to use it normally, the card points will continue to accumulate. Compared with banks such as ICBC, Bank of Communications, CITIC, Shanghai Pudong Development Bank, and Ping An, credit card points have a validity period, up to 2 to 3 years.

2. Use special dates to enjoy multiple points

In terms of points, many credit cards can enjoy double points in the month of your birthday. You must seize this opportunity. In addition, don’t underestimate holidays. Many banks will have some discounts during the Spring Festival, Christmas and other holidays. During this time, some points can reach up to 10 points.

3. High points for foreign currency consumption

High points for foreign currency consumption. According to the principle of points system, except for China Merchants Bank, which implements a points system of 20 yuan each time, other banks implement a points system of 1 yuan each time when conducting RMB transactions. For U.S. dollar transactions, the differences in rules are even more pronounced. While most banks earn 8 or 7 points for Shanghai Pudong Development Bank cardholders, they get 16 points for every dollar spent. If you hold multiple credit cards from different banks at the same time, you should consider using U.S. dollars.