Take Zhejiang rural credit cooperatives (cooperative banks and commercial banks) as an example;

Calculation and accumulation method of integral

(1) Cardholders can get points if they successfully swipe their cards with valid credit cards.

(2) The following fees and transactions are not counted as points:

1, cash advance by credit card, transfer transaction;

2. Annual credit card fee, interest, handling fee (such as late payment fee) and other expenses agreed in Harvest Credit Card standard personal card collection contract;

3. Online payment transactions and related expenses of RMB withholding;

4. The specific categories of contracted merchants, including but not limited to the consumption of 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;

5. Other projects stipulated by Zhejiang Rural Credit Cooperatives (cooperative banks and commercial banks).

Extended data:

First, the validity period of the integral.

Harvest credit card points are valid within the validity period of the credit card; After the card expires, the cardholder will renew the card and the points will be automatically extended; After the credit card account is cancelled or cancelled, the remaining points will be cleared and cannot be recovered.

Second, the integral query

Credit card points can only be inquired by the cardholder himself, and the cardholder can know the points through the following channels:

1. The cardholder's integral balance and change are printed on each statement.

2. Cardholders can call the 24-hour customer service hotline 4008896596 for enquiry.

3. Cardholders can inquire at the issuing bank outlets with their own cards and identity documents.