Credit card points refer to points cashed out or given away by credit card after consumption. For example, China Merchants Bank's credit card can be converted into 1 yuan for every 20 yuan accumulated 1 point (most bank consumption 1 yuan accumulated 1 point). When the points have accumulated to a certain amount, they can be exchanged. If you don't know how many points your credit card has now,
1.
Log in to official website, the bank of the issuing bank, enter the credit card center, click the integral query, and enter the account number and password.
2. Telephone inquiry.
Call the bank customer service phone of the issuing bank, and find the manual customer service for inquiry according to the voice prompt.
3. SMS query.
Take China Construction Bank as an example, edit the last four digits of the short message "CCJF #++" to 95533 (if it is a credit card of another bank, just edit the short message and send it to the official number of the bank).
After knowing your score, you can choose the right product to exchange. Common redemption methods include mileage redemption, gift redemption and annual fee deduction.
Mileage exchange
Mileage redemption is basically one of the most valuable rights in point redemption. Take Pufa as an example, the points with AE white mileage conversion standards of 12: 1 and 7 1500 can be converted into about 6,000 miles. Normal mileage of 6000 miles can be exchanged for an economy class one-way ticket within 800 kilometers of China Southern Airlines, such as Guangzhou to Sanya. At present, the ticket for flight CZ6748 of China Southern Airlines from Guangzhou to Sanya is 530. The rebate rate is 530/ 14300 = 3.7%.
Gift exchange
Log in to official website, the issuing bank and enter the credit card center, and you can see the points and prices of some commodities, such as suitcases and kitchen supplies. Of course, the goods in each bank may be different. In addition to physical objects, there will be some goods and experiences, such as telephone bills. You can choose the goods you like at the right price to exchange.
Points are spent as money.
This is mainly reflected in bank cooperative stores, and points can be used as cash to buy things. For example, department stores, Starbucks and Haagen-Dazs can all be exchanged. However, generally speaking, it depends on the type of credit card and the cooperative stores of the issuing bank. Some credit cards can be exchanged a lot, while others are less.
How to calculate credit card points?
Validity rules of credit card points:
1. Except Platinum Credit Card, Unlimited Credit Card, Great Wall Diamond Credit Card, Great Wall World Credit Card, Great Wall American Express Private Bank Credit Card and National Fitness Card, the cumulative period is one year (from July 1 day to June 29th of the following year), and the cumulative period is at least two years. The cumulative period is June 30th, 24 months later. (For example, the points generated from July 20 17 to June 29, 20 18 will expire on June 30, 2020).
2. The consumption points of Platinum Credit Card, Unlimited Credit Card, Great Wall Diamond Credit Card, Great Wall World Pole Credit Card and Great Wall American Express Private Bank Credit Card are valid for a long time, and the consumption points of National Fitness Card are valid for five years.
3. For the integral marketing activities carried out by Bank of China, the validity period of marketing points given to customers who meet the conditions of the activities shall be subject to the release of the marketing activities.
4. When the credit card holder cancels the card, the transaction points of the card will be cancelled and cleared at the same time. It does not support the adjustment of points between credit cards, nor does it support the integration or adjustment of points between different customers.
The above contents are for your reference. Please refer to the actual business regulations.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How to calculate credit card points?
Different banks have different rules for calculating credit card points. Here are a few banks:
1. Points Rules of China Merchants Bank
Credit card spending will be scored every time it reaches 20 yuan, and less than 20 points will not be scored.
2. Consumption points of China Construction Bank
Credit card spending 1 RMB can accumulate 1 points, and spending 1 USD can accumulate 8 points.
3. Agricultural Bank consumption point
Credit card spending 1 RMB can accumulate 1 points, and spending 1 USD can accumulate 8 points.
Credit card points are very useful. Here are some common places:
1. Redeem gifts. You can go to the bank where your credit card is opened, official website, and find the option of credit card points, then you can see the gifts with redeemable points. In addition to physical objects, there will be some goods, experiences and so on.
2. integral mall exchanges gifts. You can exchange gifts at the mall. In banks, cooperative merchants can exchange points for goods or deduct a certain amount. Businesses such as Starbucks often have such credit card points redemption activities.
3. Integral oil change, such as the integral oil change of CCB Longka automobile card, belongs to the card type of CCB credit card oil card, and the integral of automobile card is generally oil change. The owner's card can also be used to change oil or toll.
4. Redeem air miles. Some credit card points can be directly converted into airline miles, and the mileage converted from points can be used when you are on a business trip or traveling.
Some credit card points can also be directly exchanged for annual fee reduction.
How to get credit card points:
1. If you want to get credit card points, you need to spend more by swiping your card. Generally, all bank credit card offline consumption will accumulate points; However, only some banks will calculate the points of online consumption; If you want an accurate answer, you can call the bank. Note: The consumption of merchants in non-profit industries such as real estate, automobiles, wholesale, hospitals, schools and charitable social services is not counted.
2. Participate in bank activities. Banks launch a series of activities aimed at credit cards every year. At this time, consumption will get more points, usually several times. You can always pay attention to the activities launched by the bank to which the credit card belongs.
Banks usually launch some special activities on cardholders' birthdays. As long as we seize this opportunity of consumption, we can get good points, and some birthdays can consume 5 times the points, which is still relatively strong.
Credit card points generally have a validity period, during which they can be exchanged for various commodities. If the validity period is exceeded, the credit card points will be cleared, so you should always pay attention to the validity period of the points while saving the points. You can call the bank to inquire about the expiration date.
When using a credit card, if the consumption is cancelled, the points generated will also be deducted, and the credit card repayment will pay the revolving credit interest, but the annual fee, late fee and installment fee will not generate points.
[img] The introduction of credit card products ends here.