1. If you want to get credit card points, you need to spend more by swiping your card. Generally, all bank credit card offline consumption will accumulate points; However, only some banks will calculate the points of online consumption; If you want an accurate answer, you can call the bank. Note: The consumption of merchants in non-profit industries such as real estate, automobiles, wholesale, hospitals, schools and charitable social services is not counted.
2. Participate in bank activities. Banks launch a series of activities aimed at credit cards every year. At this time, consumption will get more points, usually several times. You can always pay attention to the activities launched by the bank to which the credit card belongs.
Banks usually launch some special activities on cardholders' birthdays. As long as we seize this opportunity of consumption, we can get good points, and some birthdays can consume 5 times the points, which is still relatively strong.
Credit card points generally have a validity period, during which they can be exchanged for various commodities. If the validity period is exceeded, the credit card points will be cleared, so you should always pay attention to the validity period of the points while saving the points. You can call the bank to inquire about the expiration date.
When using a credit card, if the consumption is cancelled, the points generated will also be deducted, and the credit card repayment will pay the revolving credit interest, but the annual fee, late fee and installment fee will not generate points.
[img] How to get credit card points?
Credit card points can be obtained by spending money by swiping the card and participating in banking activities.
1, more credit card consumption, credit card consumption can help optimize points.
2. Participate in banking activities.
At the end of the year, some banks launched activities to accelerate the accumulation of credit card points, and cardholders can take the opportunity to increase points.
Banks will launch credit card "double points", "points giving" and "credit card lottery" from time to time.
For example, Guangfa Credit Card Center launched the activity of "smashing golden eggs" to earn points during Guangfa Sharing Day.
Cardholders who successfully recommend relatives and friends to participate in the activities will get the opportunity to throw golden eggs. The more referees, the more golden eggs will be thrown out, and the maximum will be 200,000 Guangfa points, 654.38+ 10,000 Ctrip points or 8,000 miles. At the same time, cardholders can also share the points or mileage rewards obtained by referees in the first two months.
Extended data
There are four types of credit cards that can't be scored normally, which can be said to be "white brush".
The first category is credit card with low discount rate, including car purchase and wholesale.
The second category is the stored value payment category, such as provident fund, tuition fees, various top-ups and so on.
The third kind of non-integral transaction is the expenses generated by the credit card itself, including cash withdrawal, interest, various handling fees, and some related life account withholding fees. And it is impossible to calculate points.
The fourth category is the non-integral consumption stipulated by the bank itself, which is relatively vague.
For example, Article 5 of the no-points rule stipulated by ICBC reads: "Other transactions that should not accumulate points will not accumulate points". Article 4 of the Bank of Communications Non-points Rules also stipulates that "other items designated by the Bank of Communications Credit Card Center separately" shall not be scored.
People's Daily Online-There are many channels to improve credit card points quickly.
People's Network-Credit cards are not four types of transactions.
How does BOC credit card get points?
China Bank Credit Card Points Calculation Rules:
1, BOC Credit Card, Great Wall Credit Card, Puka, Gold Card and Titanium Card can accumulate "BOC Points 365" bank card consumption points 1 minute for every consumption of RMB (except BOC Credit Card of Air China Zhiyin).
2. For credit cards with platinum level and above in China (excluding Hong Kong, Macao and Taiwan), for every RMB 65,438 spent in 0 yuan, the accumulated "BOC points 365"1points, and for every RMB 65,438 spent in other countries and regions, the accumulated "BOC points 365" 2 points. Among them, Great Wall American Express Private Bank Credit Card spent every 1 yuan in China and other countries and regions, and accumulated 2 points of "BOC points 365".
3. For all credit cards (such as airline co-branded cards) with automatic point redemption function, their bank card consumption points (unless otherwise specified) will be automatically converted into products or services (such as air miles). ) the corresponding cooperative institutions, the redemption ratio shall be subject to the joint card rules; Its marketing points will not be automatically redeemed, but cardholders can voluntarily redeem them through the points redemption channel of China Bank, and the redemption rules shall be subject to the publicity of the points redemption channel.
4. For credit cards in USD currency, the product consumption of ordinary cards, gold cards and titanium cards is 1 USD, with a total of 7 "BOC points 365" bank card consumption points, and the consumption of credit cards with platinum level or above is 1 USD, with a total of 14 "BOC points 365" bank card consumption points.
5. For credit cards in yen currency, the consumption of ordinary cards, gold cards and titanium cards is 14 yen, and the accumulated "BOC points 365" bank card consumption points 1 minute, and the consumption of credit cards above platinum level is 14 yen, and the accumulated "BOC points 365" bank card consumption points are 2 points.
6. For credit cards in euro currency, the product consumption of ordinary cards, gold cards and titanium cards 1 euro accumulates 7 points of "BOC points 365" bank card consumption points, and the consumption of platinum credit cards and above 1 euro accumulates 14 points of "BOC points 365" bank card consumption points.
7. GBP credit card, product consumption of ordinary card, gold card and titanium card 1, accumulated "BOC points 365" bank card consumption points 1, credit card consumption above platinum level1,accumulated "BOC points 365" bank card consumption points 20.
8. Australian dollar credit card, ordinary card, gold card and titanium card product consumption 1, accumulated 5 points of "BOC 365" bank card consumption points, credit card consumption above platinum level 1, accumulated 10 points of "BOC 365" bank card consumption points.
9. For credit cards in Hong Kong dollars, ordinary cards, gold cards and titanium cards cost 1 Hong Kong dollars, and accumulated "BOC points 365" bank card consumption points 1 Hong Kong dollars, and platinum-level or above credit cards cost 2 Hong Kong dollars.
10. If you spend $3 with the Great Wall Enterprise Business Card, you will accumulate "BOC points 365" bank card consumption points 1 minute.
1 1. Credit limit for consumer transactions during the billing period: credit with a credit line of more than 5,000 yuan will be capped at 300% of the credit line, that is, domestic consumer transactions that have accumulated more than 300% of the credit line during the billing period will not accumulate "BOC Points 365" credit card consumption points; For cards with a limit of less than or equal to 5,000 yuan or zero, during the billing period, the accumulated "BOC points 365" credit card consumption points reached 1.5 million.
12. If the goods or services purchased by credit card are returned for any reason, or the money is returned due to signing disputes or other reasons, Bank of China will deduct the accumulated "BOC Points 365" bank card consumption points at that time.
Tips: The specific points accumulation rules of each credit card shall be subject to the publicity of product rights and interests; If the credit card spending is less than 1 yuan, the "BOC points 365" bank card spending points will not be accumulated.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
This concludes the introduction of how to get credit card points and how to get credit card points of China Everbright Bank. I wonder if you have found the information you need?