1. Pacific Credit Card holders of Bank of Communications (including standard cards, theme cards, co-branded cards, official cards and other credit cards, as well as quasi-credit cards and more cards, except for specially designated cards, hereinafter referred to as "designated credit cards") (hereinafter referred to as "cardholders") can participate in the credit card points accumulation plan of Bank of Communications. Among them, the points of the deputy cardholder are merged into their main card account.

2. If you use the Bank of Communications credit card to spend, you can accumulate 65,438+0 points for every 65,438+0 yuan RMB spent, and 7 points for every 65,438+0 USD spent (for details, please refer to Article 2 below).

3. In any of the following circumstances, Bank of Communications reserves the right to cancel the qualification of cardholders to participate in this incentive plan:

(1) Specify that the credit card is deactivated or controlled, the card is not activated or cancelled, the card has expired and has not been renewed, or the account status is abnormal;

(2) The cardholder violates the applicable credit card charter or contract, this clause and other relevant provisions of Bank of Communications;

(3) Bank of Communications independently judges that cardholders use designated credit cards (including but not limited to the implementation of false transactions without real economic content) to defraud points.

Second, the Bank of Communications credit card points accumulation rules

(1) Various interests and handling fees stipulated in the applicable credit card articles of association or collection contract, including but not limited to annual credit card fees, cash withdrawal transaction fees, overdraft interest, late payment fees, over-limit fees and other credit card fees.

(2) Transfer transactions, cash withdrawal transactions and some online transactions *.

From 20 12 65438+ 10/0, Bank of Communications can accumulate points for online dollar consumption in Paradise and cash consumption in club.bankcomm.com. Online dollar consumption refers to the consumption whose transaction code is online consumption and is traded through VISA or MasterCard. )

(3) specific types of debit consumption, including but not limited to real estate; Automobile sales; Wholesale transactions; Hospital; Primary and higher education institutions; Universities, colleges and specialized schools; Charity and social services, non-profit undertakings; Fines; Bail and deposit; Pay taxes; Government services; Embassy and consulate fees; Government loans; And the bill consumption of the specific merchant category listed in Annex I "Code of Merchant Category without Points".

The above information will be adjusted from time to time according to the types of merchants increased or decreased by relevant institutions. Please refer to the information published on the credit card website of Bank of Communications.

(4) Other projects designated by the Bank of Communications.