Credit card points are one of the benefits that many credit card holders pursue. You can accumulate a certain number of points by using credit cards for consumption. These points can be subsequently redeemed for gifts, travel, airline miles or cash back to obtain additional benefits. Today, the editor will introduce to you the main functions of credit card points, and what to do if the credit card points expire? If you are interested, come and take a look!

The main functions of credit card points are as follows:

1. Redeem gifts. Many banks will offer an online mall that allows you to use the points you earn to purchase specific goods or services. Typically, merchandise includes electronics, home appliances, and brand-name luxury goods.

2. Redeem airline miles. Another option is to redeem the credit card points accumulated by cardholders into travel products such as air tickets or hotel accommodation vouchers. Many airlines have cooperated with banks to launch related co-branded cards. Co-branded cards can not only provide cardholders with aviation rights, but also credit card points can be exchanged for miles, and miles can be exchanged for air tickets.

3. Cashback. There are also some credit card points that can be directly used for cash back, and the credit card points can be converted into credit cards according to a certain ratio. In addition, credit card points can also be used to offset annual fees, which is also a form of cash rebate to a certain extent.

Generally speaking, credit card points from most banks are not permanently valid; if they are not used for a long time, they may expire. Therefore, when enjoying the discount, you must pay attention to the relevant rules and details before consumption, and complete the redemption operation within a limited time. If the cardholder's credit card points have expired, he should first check whether each bank's policy supports points recovery or life extension services (usually requiring payment of additional handling fees). In addition, you can also consider contacting customer service or other channels to confirm how to solve the problem.

Although credit card points are good, generally speaking, the accumulation of credit card points requires the cardholder to make purchases. Therefore, when using a credit card, do not blindly pursue points. You must judge your own spending ability and repayment. If you have the ability to pay, use the card carefully. The above is the entire content shared by the editor on "What is the main function of credit card points? What should I do if the credit card points expire?"