How to use credit card points?

After using a credit card to make purchases, certain points will be generated. Many people will ask what are these points used for? How to use it? In fact, these points can generally be used to redeem gifts. Of course, different types of credit cards have different usage methods. Let me take the Bank of Communications credit card as an example to introduce how to use points.

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Now is the era of mobile Internet. Every bank’s credit card basically has a corresponding APP. For example, the credit card APP corresponding to Bank of Communications is called “Pay the Bill”, as shown below ...

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Click to open the APP, and then log in with the Bank of Communications bound account. We will see the item "Points Food" in the upper left corner of the homepage, click You can use points to enjoy certain discounts when you enter;

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However, more point activities are not here yet. We click on "Card Life" and first check how many points we have currently. Click on the "Points Query" on the page to see your current points, as shown in Figure 2...

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You can see all points at the bottom of the points query page Activities, such as having points for a big meal, watching movies with points, and spending points as money, etc. When paying, the points will be automatically redeemed in cash. The use of credit card points from other banks is similar;

CCB Credit Card Points What can you do?

Comprehensive CCB points can be redeemed for gifts in the Points Mall, used for cash when purchasing some goods at Shanrong Business, and used for cash at certain merchants. Points can be redeemed in the Points Mall (and the annual cumulative limit has not been exceeded), and can be redeemed through the Points Mall, mobile banking, or WeChat official account.

1. WeChat application: Through the WeChat public account "Longka Credit Card" - "My Site" - "Points Redemption", you can link to the points mall and simply select the product, fill in the delivery information, order confirmation, etc. Steps to complete the application.

2. Mobile banking application: Log in to mobile banking and search for "points redemption" to apply.

(In case of business changes, please refer to the actual situation.)

How to use credit card points

As credit cards become easier to apply for, people who use credit cards There are also more and more people who use credit cards to earn points. In short, credit card points are a reward from banks for using credit cards, but most people never use their points until they are cleared. In fact, to put it bluntly, points are money. Points can be used to redeem gifts, miles, and deductions. Handling fee, why don’t you use the free benefits?

How to use credit card points reasonably

1. Payment with points

Nowadays, many banks have opened payment functions for telephone bills, broadband, water and electricity bills, etc. Pay through the bank's mobile APP, and you can also use points to offset part of the cash. The annual fee can also be deducted with points.

2. Redeem flight miles

Converting flight miles is very cost-effective for people who often need to travel by air. Redeemable airline mileage points can be used to redeem air tickets or gifts in the airline mall center.

3. Points Lottery

The points drawn can be used in draws. For example, points from China Merchants Bank can be used to draw the latest electronic products, and points from Industrial Bank can be used to draw smartphones and air conditioners. Purifiers and other gifts are valuable.

4. Redeem gifts

After you have accumulated a certain amount of points, you can redeem them for exquisite gifts. However, generally speaking, the points required for good things that can be redeemed are relatively small. High, if you don’t have many points, it’s also good to redeem some small gifts.

How to use credit card points

Earn points with points

Swipe your card during bank activities such as "double points", "points gift", "card swiping lottery" and other activities , to double the points. For example, with a bank credit card, in the month of the cardholder’s birthday, you can enjoy 4 times the points reward for swiping the card.

Choose cards wisely to use points

1. Choose a credit card with permanently valid points

If the bank credit card cannot provide redemption of low-limit and high-value products or is valid for a long time Points cannot achieve real value and returns for consumers.

2. Choose a credit card with goals

Banks offer various types of credit cards, and users can choose the card that suits them. For example, if consumers want to make some money on gas, they can choose the China Construction Bank Long Card car card, whose points can be redeemed for cash at gas stations; many banks have some airline co-branded cards, and the consumption points of such credit cards can be exchanged for ordinary commodities. In addition, you can also redeem the points and miles of the corresponding airlines. This type of card can be chosen by "flyers" who often travel for business. Note which type you need more, and then combine the points rules of the card to spend, so that you can use the points more effectively.

Using points online is more cost-effective

Consumers will generate corresponding points (usually 1 yuan and 1 point) after swiping their cards for consumption. When the points accumulate to a certain level, they can Designate websites to redeem corresponding gifts. This is the most traditional way to redeem points. As there are more and more ways to use credit card points, such as redeeming consumption for cash, exchanging for Starbucks, exchanging insurance, exchanging annual fees, doing charity, etc., new ways of playing are constantly being injected into cardholders. For example, 15,000 Bank of China points can be redeemed for a Starbucks hand-brewed drink, and one can be redeemed for one free on weekends, allowing many cardholders to earn small benefits by relying on their points.

This is the end of the introduction on how to use the points redeemed by credit cards.