Credit card integral rules of China Merchants Bank:
Personal Card Points Rules and Terms
I. Validity period
Since July 2004 1, the consumption points have been calculated, and the points are valid. Credit cards with special points validity limit, such as car card, city theme card and FAW-Toyota co-branded credit card, are detailed in the specific provisions of the corresponding credit cards.
Second, the qualifications for the competition
(1) Credit card holders of China Merchants Bank can earn points by consuming valid credit cards issued by China Merchants Bank, including but not limited to the main card or supplementary card of UnionPay card, UnionPay-VISA card, UnionPay-MasterCard card and UnionPay-JCB card, and joint identification cards issued by specific companies or groups (unless otherwise specified), and choose to exchange or exchange corresponding commodities, discount coupons, vouchers or other valid vouchers (hereinafter collectively referred to as "".
(2) All kinds of airline joint credit cards (including but not limited to Air China bosom friend joint credit card and China Southern Airlines Pearl joint credit card, etc.). Don't take part in this activity, because all their spending money will be automatically converted into mileage. Please refer to the specific provisions of the relevant credit card for the specific conversion ratio.
(3) Co-branded credit cards (such as those of Zheng Da Department Store and Gloria Hotel). ) will not participate in this activity, because all their spending amounts will be automatically converted into partner points. For details, please refer to the specific provisions of relevant joint credit cards.
(4) In any of the following circumstances, if the cardholder's credit card is deactivated or controlled, the cardholder cancels the whole household credit card, fails to pay off other debts of China Merchants Bank, violates the credit card acquiring contract of China Merchants Bank, violates the credit card charter of China Merchants Bank, these Measures and other relevant regulations, China Merchants Bank has the right to cancel his qualification to participate in the points reward activities.
If the above situation disappears, with the consent of China Merchants Bank, you can continue to participate in this activity and recover the accumulated consumption points as appropriate.
Third, the scope of application of integral
Cardholders can use China Merchants Bank credit card to swipe their cards in restaurants, hotels, department stores and other retail stores. In addition to items that are not calculated according to the rules of bank points, they can also accumulate points by mail order, installment payment of goods, and cash advance with China Merchants Bank credit card.
According to our integral rules, the following items will not be calculated:
Annual credit card fee, revolving credit interest, handling fee and interest on cash advance, expenses arising from overdue repayment (such as liquidated damages and interest) and other handling fees agreed in the credit card collection contract of China Merchants Bank;
Related expenses withheld and remitted;
Low-rate and zero-rate merchants such as real estate, automobile sales, wholesale, public hospitals, public schools, government, finance, charity, residential services, and non-profit social services;