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Credit card integral rules of CITIC Bank

I. Cumulative calculation method of credit card points of CITIC Bank

During the validity period of this points plan, cardholders can spend or withdraw RMB 1 yuan or HKD 1 yuan by using CITIC Credit Card Puka, which can accumulate 1 minute (RMB 1/ HKD 1), and every time they spend or withdraw USD 1 (USD/kloc). If you spend or withdraw RMB 1 yuan or HK$ 1 yuan with the credit card gold or platinum card of CITIC Bank, you can accumulate 2 points (RMB 1/ HK$ 1 = 2 points) and accumulate 16 points (USD1= 65438).

Two. Credit card points accumulation rules of CITIC Bank

Cardholders of CITIC American Express Gold Card, Magic Gold Card, Magic Titanium Card and Magic Platinum Card (hereinafter referred to as the Gold Card) have a monthly transaction (including cash withdrawal) of more than 3,500 yuan, while cardholders of CITIC American Express Puka Card and Mopuka Card (hereinafter referred to as the Puka Card) have a monthly transaction (including cash withdrawal) 1, and above 200 yuan, they can get up to 3 times/1. If the monthly transaction does not reach the specified amount, the gold card transaction can also get 2 times points, and the ordinary card transaction can get 1 times points. The points given by the Gold Card shall not exceed 5,000 points per month, and those given by the Puka shall not exceed 1.500 points per month. The month mentioned in this activity is the billing month.

In the birthday month of the cardholder, you can also enjoy the double points discount in the birthday month, that is, the maximum points of ordinary cards are 2.5 times and the maximum points of cards above the gold card level are 5 times. Children with magic gold card, titanium card and platinum card can enjoy double discount of parent-child joy points in the birthday month, that is, the maximum points are 5 times. All magic card holders need to log on to the website to sign up for the points acceleration plan, and only the main card holders can sign up for the plan.

Three. Provisions of CITIC Bank on Credit Card Points Refund

If the cardholder returns the goods or services consumed by signing the bill for any reason, or returns the transaction amount due to signing the bill dispute or other reasons (such as returning the bill), or cancels the cash advance transaction, the points previously earned by the cardholder will be deducted by CITIC Credit Card Center according to the cancelled transaction amount.

If the cardholder has used the points to redeem bonus gifts before deducting the corresponding points, resulting in insufficient points in his credit card account, the credit card center will calculate negative points in the cardholder's credit card account after deducting the balance of points in the cardholder's credit card account, and make up for the insufficient points when the cardholder has new points in the future. If the cardholder's account has negative points, the account will not be closed. Only by making up the negative points of the account through the accumulated points of consumption can you apply for account cancellation.

Four, the following items will not be calculated.

1, annual credit card fee, handling fee, overrun fee, revolving interest, late payment fee, other credit card fees, etc.

2. Related expenses withheld and remitted;

3. Shopping mall installment transaction (from September 14, 2006 (including September 14), any transaction under the installment business of shopping mall will not enjoy the consumption discount of the point gift card center);

4. All online payment transactions;

5. wholesale transactions;

6. Low discount rate, zero discount rate and special types of merchant transactions are not counted, including but not limited to: transactions of automobiles, real estate sales, wholesale merchants, public schools, hospitals, telecommunications, finance (including banks and securities), insurance, social services and non-profit organizations;

7. CITIC Credit Card Center reserves the right to pursue the legal responsibility of the cardholder and the right to give credit card points through abnormal means or personal consumption transactions.

The right to earn points and recover the redeemed gifts;

8. Blue card cash withdrawal transaction;

9. Other items specified by CITIC Credit Card Center.

Verb (abbreviation of verb) credit card points consolidation of China CITIC Bank.

Points under the same cardholder's master account can be combined, but they cannot be transferred to other cardholders or third parties. Non-credit card points (including but not limited to co-branded card merchant points) cannot be merged with credit card points in the cardholder's name.