How to get credit card points

There are two ways to get credit card points, mainly: swiping the card for consumption and withdrawing cash. For every 20 yuan you spend with your card, you will get one point. If you spend less than 20 yuan, you will get no points. However, there are no points for online payments, group purchases, wholesale transactions, house purchases, car purchases, insurance payments, etc. There is also a way to earn points for cash withdrawals. It is also equivalent to earning one point for 20 yuan, but with the existing handling fees and interest, there will be activities where points will be given as much as the amount is spent, or points will be multiplied.

Credit Card Tip 1: Learn to read bills

Open your credit card statement, which records your monthly expenses in detail. If you cannot read these details well, it will be difficult to know clearly your repayment status. There are many proper nouns on credit card statements, such as cash advance limit, credit limit, current statement date, etc. What everyone needs to know most is the final payment date and minimum payment amount of the current period. The final repayment date of this period is the final repayment period stipulated by the bank. Any repayment beyond this period will be regarded as a breach of contract. The minimum repayment amount refers to the minimum amount to be repaid in this period, which is generally about 5%-10% of the total consumption.

Credit Card Tip 2: Make good use of the interest-free period

The interest-free period is how long you can avoid paying bank interest after your credit card is overdrawn. The general interest-free period is divided into two types: the longest and the shortest based on the length of time. The interest-free period of each bank is also different. For example, for credit cards launched by China Merchants Bank, according to online reports, the interest-free period can be up to 50 days. Generally, the card is swiped on the last day of the statement date, so that you can enjoy a longer interest-free period.

Credit Card Tip Three: Learn to Repay Reasonably

After understanding the above two skills, you also need to know how to repay money reasonably. Two repayment methods are recommended here. If you have sufficient funds, you can repay the loan in full on the final payment date. This is the first method. If you cannot afford so much money temporarily, you can use the second method, which is to pay the minimum repayment amount on the final repayment date. It is recommended that if you are able, you should repay in full. If you are unable to repay in full, you should pay the minimum amount before the final repayment date. This is to protect your personal credit from being affected. Another thing to note is that if you withdraw cash in the current period, you will need to pay back more to offset the interest.

How to accumulate credit card points quickly? 5 tips to make your points fly

You can accumulate points by swiping your credit card, and you can use the points to redeem shopping mall gifts, credit cards, airline miles, platinum card annual fees, etc. Credit points are so versatile, but they’re not easy to accumulate. Here, I will teach you 5 tips for quickly accumulating points to make your points fly~~

1. Swipe multiple points on your birthday month

Although each bank’s points policy They are different, but they all give cardholders the benefit of multiple points in their birthday month. Cardholders can enjoy multiple points accumulation by swiping their cards in their birthday month.

For example, with China Merchants Bank’s YOUNG card, GQ co-branded card, Sina Weibo Master Credit Card, and ONEPIEC One Piece Fan Card, you can earn 2x points by swiping your card during your birthday month.

Industrial Bank gets 2 times the points on your birthday, 4 times the points for the standard platinum card, etc.

2. Participate in bank points gifting activities

Many banks have points gifting promotions. If you participate in the activities and meet the conditions, you can get the corresponding points gift.

For example, China Merchants Bank has a campaign to give out points in installments for credit card bills every month, and you can get at least 1,000 credit card points.

Industrial Bank will also have corresponding points gift activities every holiday, such as giving 25 times points for purchases on Christmas Day, etc.

3. Multiple people swipe their cards together to earn points

“When one person collects firewood, the fire is not strong, but when everyone collects firewood, the fire is strong.” This saying is also true when it comes to the accumulation of credit card points. The speed at which one person accumulates credit card points is far inferior to the speed at which several people accumulate points together.

So, if you want to accumulate points quickly, you can apply for one or several supplementary cards for your family members. Because the points from the supplementary card are merged into the account of the main cardholder, so the whole family can swipe the card together, and the points will accumulate at a high speed.

4. Buy your order and accumulate my points

In addition to accumulating points by swiping your own card, you can also pay for your friends to get cash and points.

For example, if you are shopping with a friend in a mall, and your friend likes a piece of clothing and wants to pay with cash, you can discuss it with him. You can help him pay with his credit card, and then he will give you the cash. .

As long as you use a POS machine that has points for consumption, you can get points in this way.

How to accumulate more credit card points?

How to accumulate more credit card points?

1. After shopping for a large amount, swipe your card.

Nowadays, in order to encourage cardholders to spend with their cards, many banks can enjoy double or multiple points after spending a certain amount with their cards. If the cardholder does not reach the single purchase amount and the consumption is not urgently needed, Products can be delayed to combine purchases to get doubled points.

2. Pay attention to the bank’s online shopping points policy.

Many banks now provide online shopping reward point activities. For example, China Merchants Bank is currently conducting a campaign, which is that new overseas online shopping customers will receive 1,000 yuan in points if any one transaction amount reaches US$99 or 600 yuan. . In addition, banks and cooperative merchants often offer activities to earn multiple points by swiping their cards from time to time, which also requires cardholders to pay attention.

3. Use more credit cards on special holidays.

You can put some shopping plans into your birthday month and holidays. Because many banks offer cardholders the opportunity to enjoy doubled points for swiping card transactions during their birthday month or on holidays.

4. Use credit cards more often when spending money abroad.

Use credit cards as much as possible when shopping abroad. Many banks and credit cards provide points and cash back for overseas purchases. Some banks even offer double points discounts.

5. A transaction can be processed multiple times.

Most banks stipulate that one point can be accumulated for every one yuan spent, but some banks do not allow accumulation. For example, China Merchants Bank, this bank's credit card will earn one point for spending 20 yuan, and any less than 20 yuan will be wasted. Yes, for this kind of cardholders, if they have other credit cards that can accumulate points when they make purchases, they can use the non-accumulating card to swipe the corresponding part to get the points, and for the fraction, they can swipe another credit card so that it will not be wasted.

How to use ICBC credit card (debit card) to earn points?

1. Generally, when you go to shopping malls and supermarkets and use your credit card to make purchases, you will get points, or you will get points when you stay in a hotel, travel, or eat in a restaurant. Earn 1 point for every RMB 1 spent (any part less than RMB 1 will be rounded off), and the consumption will be converted into RMB on a pro-rata basis.

2. When ICBC carries out various marketing activities, it will give corresponding points to qualified target customers according to the activity rules.

3. The bank will cooperate with specific merchants, and you will get more points when you spend at merchants that cooperate with the bank.

No points will be earned for special transactions such as real estate, car sales, and wholesale; no points will be accumulated for debit card purchases through WeChat, Alipay, and JD.com.

This is the end of the introduction on how to use credit card points and how to make money by using credit card points. Did you find the information you need?