How to use the Bank of Communications card credit?

The card credit is a reward benefit provided by Bank of Communications to its credit card users. Users who have obtained the Bank of Communications card credit can use it directly when swiping their cards for consumption. The card payment is deducted from the transaction principal.

When the Bank of Communications credit card is used, the system will automatically deduct it within three working days after the cardholder swipes the card for consumption, and Bank of Communications will return the transaction amount deducted by the card credit to in the cardholder’s credit card account. For example, if a cardholder has a credit of 100 yuan and spends 200 yuan with a credit card, he or she needs to pay a consumption limit of 200 yuan. Within three working days, Bank of Communications will return the credit amount of 100 yuan to his or her account.

Extended information.

1. How to obtain Bank of Communications card credit?

[1] To redeem points, you can directly log in to the Bank of Communications Credit Card Center, enter the Credit Card Points Mall, and use credit card consumption points to redeem credit cards.

[2] Participate in Bank of Communications activities, such as the "Redtest Friday Supermarket Enjoy 5 Card Swiping Gold Rewards" activity and "The Reddest Friday Refueling and Enjoy 5 Card Swiping Gold Rewards" activity, you can receive card swiping gold , this is an exclusive event for credit card swiping;

2. How long is the Bank of Communications credit card swiping credit valid for?

The validity period of Bank of Communications credit card payment depends on the transaction time specified by Bank of Communications. However, the validity period is basically only about 1 to 2 months, and once the Bank of Communications credit card has expired, it can no longer be used, even if you have not used it all. Therefore, family members who want to use card credit must make card transactions for designated purposes as soon as possible within the validity period.

3. The scope of use of Bank of Communications card swiping funds.

Bank of Communications card swiping credits can only be used at cooperative merchants designated by Bank of Communications, such as cooperative merchants participating in the Redtest Friday, some merchants that launch co-branded cards, Wal-Mart Supermarket, CP Lotus Supermarket, PARKnSHOP , China Resources Vanguard and other supermarkets. If there are non-genuine transactions or malicious use of credit card credits, Bank of Communications may cancel the credit card credit received and your credit score will be reduced.

What is the credit card fee of Bank of Communications credit card? How to use credit card?

You can get credit by swiping your Bank of Communications credit card to participate in activities, so what is the credit used for? Now let me introduce to you the situation of credit card payment.

1. The concept of credit card credit

Card credit is a reward benefit that only qualified credit card owners can enjoy. Cardholders can obtain it by participating in Bank of Communications credit card activities that provide card swiping bonuses. For example: the "Redtest Friday Supermarket Enjoy 5 Gold Rewards for Swiping Cards" activity and the "Redtest Friday Come on Come on and Enjoy 5 Gold Rewards for Swiping Cards" campaign, etc. The card swipe bonus received by the cardholder can be used to offset the transaction principal of related transactions with the Bank of Communications credit card within the specified validity period, available range, quota and other special rules. Different from cash rebates, card credit has a specified validity period, usable range, amount and usage rules. Of course, more importantly, card credit cannot be withdrawn directly.

2. Check the method of credit card swiping funds

When the card swiping funds have been entered into your credit card swiping funds special account, you will be notified by SMS, and it will be printed on the credit card bill. , it will also display the effective accumulated credit balance as of the statement date. At the same time, you can also self-check through the following methods:

_Log in to the official website of the credit card to inquire: Visit the homepage of this website, log in to my credit card, select Easy Accounts - Points/Card Credits to check the credit card credits.

Quick query methods include

_Log in to Bank of Communications Credit Card Online Banking to query;

_Log in to Bank of Communications Mobile Banking to query at any time;

_Call the 24-hour customer service hotline on the back of your credit card.

3. How to use card swiping funds

All card swiping funds have a corresponding scope of application. Cardholders can use Bank of Communications credit cards within the available range of card swiping funds to deduct them. The principal amount of the transaction. The usage range of credit card credits can be checked and confirmed through the corresponding activity content on the credit card website or the corresponding activity promotion text message.

Cardholders of Bank of Communications credit cards should really pay attention. If you get card credit for consumption, you must remember to use it. Although you cannot withdraw cash, it is the same as a cash deduction.

How to use Bank of Communications credit card credit?

1. Bank of Communications credit card holders want to use credit card credit. You can download and log in to pay. Then find My - Card Credit on the home page, click and find the card credit details on the page that jumps, and then query on the relevant details page, and select the appropriate card credit for consumption deduction. The system will automatically deduct the amount after 3 days of consumption. After the deduction is completed, the cardholder will see a repayment in the credit card statement.

Operating environment: iPhone 1114.7 (Open version 5.4.0 in the Pay Bar App)

2. Currently, most of the Bank of Communications credit cards can only be used for online payment. Card swiping fees can only be used to deduct online payment transactions above 200 yuan, which means that transactions below 200 yuan cannot be used. There are also many restrictions. A single deduction cannot exceed 20 yuan and no more than 50 yuan of the consumption amount. Cardholders need to note that the rules for using each credit card may be different, so check the specific rules first.

3. Card credit is a bonus right given to cardholders by bank credit cards. Only eligible credit card owners will enjoy it. The credit card credit cannot be withdrawn directly, but the credit card credit received can be used to offset the transaction principal of related transactions that occur with the credit card within the specified validity period and available range. It should be noted that most of the credit card funds can be used for normal consumption. The bank will automatically calculate the next bill. For some special cases, you have to check the event rules.

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1. Notes on the use of card credit:

1. Each card credit has its own corresponding available range. Cardholders can The principal amount of the transaction can be deducted by using a Bank of Communications credit card within the available credit limit. The usage range of credit card credits can be checked and confirmed through the corresponding activity content on the credit card website or the corresponding activity promotion text message.

2. The credit card must be used within its validity period. If there is any remaining balance after the validity period, it will automatically expire.

3. If a cardholder holds multiple Bank of Communications credit card principal cards, the bonus credit will be credited to the principal card account under his or her name for participating in designated activities or meeting designated conditions.

4. The card bonus received by supplementary cardholders will be credited to the main card account to which they are attached.

5. Multiple credit card fees under the same main card account, or card fees under different main card accounts, cannot be accumulated, merged or converted with each other.

That’s it for the introduction of Bank of Communications credit card credit.