Cumulative mode of integral
◆ If you use China Merchants Bank's credit card to spend RMB, you can get 1 points for every 20 yuan and 1 points for every 2 yuan. The points generated by the consumption amount will take effect on the day after the bank bookkeeping date. See table 1 for the specific conversion ratio. China Merchants Bank reserves the right to adjust the conversion ratio of points.
Table 1: integral calculation method
◆ Integral calculation of main card and auxiliary card.
◆ The accumulated permanent valid points of China Merchants Bank credit card for personal card and personal debt business card are combined and calculated.
◆ If the goods or services purchased by credit card are returned for some reason, or returned due to signing disputes or other reasons, China Merchants Bank will deduct points according to the proportion of the returned amount.
Points exchange
(1) ordinary card
1. When the credit card points of China Merchants Bank reach a certain redemption standard, the presiding cardholder can redeem the points into corresponding feedback items according to the corresponding points and redemption standards of China Merchants Bank, and China Merchants Bank will immediately deduct the corresponding points from the cardholder's credit card points.
2. All feedback items (including goods, services or vouchers, etc.). ), the exchange standard and rules are subject to the latest published or feedback activity catalogue at the time of exchange.
3. The quantity of all returned items is limited until the redemption is completed.
4. Supplementary cardholders cannot directly participate in the redemption of points.
5. Points exchange method:
1) Online redemption: You can easily redeem your credit card by logging in to official website. .
2) official client redemption of China Merchants Bank credit card: Download and bind the official client of China Merchants Bank credit card-Pocket Life, and you can easily redeem it.
3) SMS redemption: edit the SMS "#DH# redemption number" to 1065795555 (for mobile customers) or 95555 (for Unicom and telecom customers) (0. 1 yuan/article) and easily redeem it anytime and anywhere. Specific SMS exchange rules are as follows:
(1) Only cardholders of airline joint credit cards, Chia Tai Department Store joint credit cards, Gloria Hotel joint credit cards, business cards or supplementary cards will not participate in SMS redemption.
(2) If the cardholder needs to exchange multiple items of the same reward (the same amount of redemption), please edit the short message: "#DH+ space+redemption quantity +Q quantity".
(3) Please edit the message if: "#DH+ space+exchange number+last four digits of C card number";
A. When the cardholder holds both the credit card with accumulated permanent valid consumption points and the credit card with accumulated exclusive points (including but not limited to city area card, car card, Jiuyou.com co-branded credit card, World of Warcraft co-branded credit card, ThinkPad co-branded credit card, etc.), please select the card that can be redeemed for points;
B. When the cardholder redeems special credit card products (such as mobile phone chain only used for MSN card redemption, etc.). ), please select the credit card designated by the product to redeem.
(4) The cardholder will receive a reply message after editing the SMS to inform whether the redemption is successful.
(5) The returned items successfully redeemed will be delivered according to the billing address of the cardholder, and the delivery address cannot be modified after redemption.
(6) Once the exchange is successful, it cannot be cancelled.
(7) If the system line fails, we will not be able to provide SMS exchange service.
4) Points consumption: when you go to a designated merchant, you can swipe points on the POS machine, directly exchange the designated goods or discount the consumption amount according to a certain proportion. After the redemption application is completed, the cardholder can call the designated number (02 1-50624877) through the credit card website of China Merchants Bank to check the order status at any time. Points accumulated by Zheng Da department store co-branded credit card, Gloria Hotel co-branded credit card, airline co-branded credit card, business card and supplementary card will not participate in point offset. If the points are insufficient when the points are used to offset the consumption, the insufficient part will be paid by credit card. Goods and services exchanged for consumption points do not provide invoices. Do not share points with other discounts in the store (except for large department stores and comprehensive supermarkets).
(2) Redemption of points for some special cards.
term of validity
Since July 2004 1, the consumption points have been calculated, and the points are permanently valid. Credit cards with special points validity limit, such as car card, city theme card and FAW-Toyota co-branded credit card, are detailed in the specific provisions of the corresponding credit cards.
Corporate card unit points are valid from the date of receiving the corresponding points 1 year;
Personal points of corporate cards are valid during the period when cardholders legally hold China Merchants Bank credit cards.