Different banks have different ways to exchange credit card points for cash. Taking Guangfa Bank as an example, the steps of converting points into cash are as follows:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.4

Application version: v7.0.6

1. Search to open the website of credit card integral area of Guangfa Bank.

Second, click "Personal Center" at the top of the page to log in.

Third, find the amount you want to exchange in the signing amount.

4. Click "Buy Now" and enter the password.

First, it can be divided into bank cards and non-bank cards according to the different card issuers.

Bank card: This is a credit card issued by the bank. Cardholders can shop at the special merchants of the issuing bank, or withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card: This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

Two, according to the issue of different objects, can be divided into corporate cards and personal cards.

Company card: the company card is issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal person organizations.

Personal card: Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

Three, according to the cardholder's reputation, status and other credit status, can be divided into ordinary cards and gold cards.

Ordinary card: ordinary cards are issued to cardholders with average economic strength, reputation and status, and the requirements are not high.

Gold card: Gold card is a kind of advanced credit card, which pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

How to exchange credit card points for cash?

Can't exchange cash, mainly gifts, gas bills, phone cards, etc. There is no such thing as direct cash exchange.

1, credit card points can be redeemed for air miles and, to a certain extent, air tickets. Then you can find some people who do air ticket transactions, exchange points for air tickets according to their needs, and then sell them points to get cash.

2. Many bank credit card points can also be exchanged for movie tickets, and then the exchanged movie tickets are sold to get cash;

3. You can still get cash by exchanging points for gifts in the credit card mall and then selling them online.

Give gifts to each other, offset consumption, etc. At the bank. But many customers forget to use these points for one reason or another after spending. There is no problem with the points that can be saved permanently, but some banks will automatically "clear" the points after one or two years.

Extended data:

Huaxia Bank Credit Card Center said that if the cardholder's accumulated points have any of the following abnormal transactions and cannot be proved as real transactions with valid vouchers (such as invoices), he has the right to take control measures such as not accumulating points, freezing points, and canceling accounts. (After the customer's points are frozen, the points cannot be exchanged, and no non-deposit transactions can be conducted after the account is closed).

If the cardholder's account or card status is abnormal (including but not limited to inactivity, overdue, account card payment suspension, freezing, account cancellation and loss reporting), and the points are frozen and suspected of taking points, the points will not be exchanged for gifts or services.