As credit cards become easier to handle, more and more people will use them, and they will get spending points. In short, credit card points are a reward for banks to use credit cards, but most people have not used them until they are emptied. In fact, points are money, and points can be exchanged for gifts, miles and handling fees. Why not use the free welfare?

How to use credit card points reasonably

I. Integral payment

Now many banks have opened payment functions, such as telephone charges, broadband, utilities and so on. , you can pay through the bank's mobile APP, or you can offset some cash with points. The annual fee can also be deducted by points.

Second, the exchange voyage.

For people who often need to travel by plane, it is very cost-effective to convert flight miles. Convertible air mileage points can be used to buy air tickets and gifts in airline shopping centers.

Third, draw lots for points.

The points drawn can be used for the lucky draw. For example, the points of China Merchants Bank can extract the latest electronic products, and the points of Industrial Bank can extract gifts such as smart phones and air purifiers, which are of great value.

Fourth, exchange gifts

When you have accumulated a certain number of points, you can exchange beautiful gifts, but generally speaking, good things that can be exchanged need higher points. If you don't have many points, it's good to change some small gifts.