The staff of a commercial bank’s credit card center reminded that cardholders can earn points by swiping their cards at valid time points. The so-called effective time points are some point doubling and point return activities jointly launched by some shopping malls and banks during store celebrations or major holidays. Not only do the points double, but the points can also be used to offset consumption in the mall; every week the bank will also There are many consumption discounts on specific days, and consumers can purchase coupons in advance on the bank website or APP.

The manager of the credit card center of a joint-stock bank suggested that cardholders should first adhere to the principle of practicality and choose the products they need. For example, some banks have cooperated with supermarkets, convenience stores, restaurants and other types of merchants to allow consumers to Use points to redeem products, cash vouchers or food at nearby stores at any time. Secondly, cardholders can try to redeem some widely used and standardized virtual goods, such as mobile phone recharge cards, supermarket shopping cards, gas cards, airline miles, etc., or offset the annual credit card fee. In addition, cardholders can also choose to directly use points for consumption. For example, China Construction Bank's credit card points payment cash service allows customers to directly use credit card points to offset the order amount when placing orders in the mall.

For example, China CITIC Bank has cooperated with JD Finance to launch "JD Steel Coins", in which points can be exchanged for "Steel Coins" for shopping and consumption in JD Mall; China Merchants Bank has launched a points exchange event, and you can use China Merchants Bank credit cards The consumption points can be used to offset the purchase price; China Merchants Bank has also launched the "One Fund" co-branded credit card. Cardholders can spend at least 1 yuan per month in the donation plan to accumulate charity credits. When reaching a certain level, they can upgrade to a higher level card.

There are even bank credit cards that can generate points without consumption. For example, Industrial Bank's "Xingli" credit card allows you to exchange exercise calories for credit card points.

Many cardholders said that the points validity period of some banks is short, and the chaotic management of points regulations among bank cards has also brought multiple inconveniences to cardholders. It is understood that the validity periods of credit card points currently launched by domestic banks are indeed different. For example, the credit card points of Agricultural Bank of China, China Construction Bank, China Merchants Bank, Industrial Bank and other banks are permanently valid. The credit card points of Guangfa, Ping An and other banks are valid for a long time as long as the card usage period, while Bank of China , Bank of Communications, CITIC, Shanghai Pudong Development Bank and other banks' credit card points are only valid for about two years. Statement: The article comes from the Internet and is only for netizens to learn and communicate. If there is any infringement, please contact us to delete it.