Can credit card points be combined? Whether credit card points can be combined, different banks have different regulations on this: 1. Industrial and Commercial Bank of China: Points cannot be combined between different ICBC credit cards applied for by the same customer. 2. Bank of Communications: Points for multiple Bank of Communications credit cards under the same customer’s name can be combined. It’s just that co-branded cards cannot be merged with non-co-branded cards, and points cannot be merged between different types of co-branded cards. 3. China Construction Bank: Points for multiple CCB credit cards under the same customer’s name can be combined. 4. China Merchants Bank: Points for multiple China Merchants Bank credit cards under the same customer’s name cannot be combined. 5. Shanghai Pudong Development Bank: Points from multiple Shanghai Pudong Development Credit Cards under the same customer’s name can be combined. 6. Agricultural Bank of China: Points for multiple CCB credit cards under the same customer’s name cannot be combined. 7. Bank of China: Points for multiple Bank of China credit cards under the same customer’s name can be combined. 8. China Guangfa Bank: Points for multiple CCB credit cards under the same customer’s name cannot be combined. 9. CITIC Bank: For multiple CCB credit cards under the same customer’s name, points can be combined. 10. Minsheng Bank: Points for multiple CCB credit cards under the same customer’s name can be combined.
How to get credit card points? Generally, cardholders can earn points by swiping their cards for consumption. Most bank credit cards earn 1 point for every 1 yuan spent. However, points are generally awarded for consumption in catering, entertainment, department stores, supermarkets and other industries, but there are no points for consumption at wholesale, real estate, sales, public institutions and other merchants.
What is the most cost-effective way to redeem credit card points? 1. Save more points: Points are generally valid for several years, and some points are valid for life, so you can save more points and exchange them for gifts of higher value. 2. Use points to redeem mileage: For people nowadays, because they travel frequently, mileage is very important, so it can be said to be the most worthwhile if the points accumulated through consumption are used to redeem airline miles. The above is the answer to "Can credit card points be combined? What is the most cost-effective way to redeem credit card points?" Credit cards from different banks have different regulations on whether points can be combined, and the points you accumulate can be used to exchange for miles or go to the mall to redeem gifts.