how to calculate credit card points?
Validity rules of credit card points:
1. Except Platinum Credit Card, Unlimited Credit Card, Great Wall Diamond Credit Card, Great Wall World Pole Credit Card, Great Wall American Express Private Bank Credit Card and National Fitness Card, the cumulative period is one year (from July 1st of each year to June 29th of the next year), and the cumulative period is at least two years, and the cumulative points will be near 24 months later. (For example, points generated during the period from July 1, 217 to June 29, 218 will expire on June 3, 22).
2. The consumption points of Platinum Credit Card, Unlimited Credit Card, Great Wall Diamond Credit Card, Great Wall World Pole Credit Card and Great Wall American Express Private Bank Credit Card are valid for a long time, and the consumption points of National Fitness Card are valid for five years.
3. In the integral marketing activities carried out by Bank of China, the validity period of the marketing points given to customers who meet the conditions of the activities shall be subject to the release of the marketing activities.
4. when the credit card holder cancels the card, the transaction points of the card will be cancelled and cleared at the same time. it is not supported to adjust the points between credit cards or merge or adjust the points between different customers.
the above contents are for your reference. please refer to the actual business regulations.
the above contents are for your reference. please refer to the actual business regulations.
how to calculate points for CCB credit card
cardholders can accumulate points when using China Construction Bank Longka credit card (except for transactions or merchants designated by China Construction Bank that do not accumulate points), and the points include comprehensive points and special points.
1. The comprehensive score is that the cardholder uses the Longka credit card, and 1 point is accumulated for every RMB 1 yuan spent (rounded to the nearest and nearest); 7 points for every dollar spent; 9 points for spending 1 euro with a European travel card. Special points refer to the service of product rights and interests of some credit cards (such as automobile cards and airline co-branded cards), and provide points accumulation and points redemption according to specific product rights and interests rules. Every time you spend RMB 166 (or equivalent foreign currency) with Shanghai Volkswagen Dragon Card, you will get 1 point (accumulated by integral multiple of 1 point).
2. the points of the cardholder's main card and the supplementary card are combined, and the points generated by the consumption of the supplementary card are accumulated in the main card. Points are valid for a maximum of five years (calculated in calendar year, including the year of accumulated points), and the accumulated points from January 1 to December 31 each year (the "first year") expire on December 31 of the fifth year and are uniformly cleared. The accumulated points before December 31, 216 (inclusive) are permanently valid.
example: the accumulated points between January 1 and December 31, 217 will expire on December 31, 221, and the remaining points will be cleared automatically and cannot be recovered.
(in case of business changes, please take the actual situation as the standard. )
how to calculate the points of CCB credit card?
1. The calculation rules of credit card points of CCB are as follows: \1. Credit card points of CCB include basic points and reward points. \2. The basic points are: the cardholder uses the Longka credit card, and every time he spends RMB 1 yuan, he will get 1 point (for spending with Shanghai Volkswagen Longka, RMB 1 yuan will get 6 points); 7 points for every dollar spent in 1 yuan (4.2 points for spending with Shanghai Volkswagen Dragon Card and 4.2 points for 1 yuan); 9 points for spending 1 euro with a European travel card. \3. Successfully handle the installment and mail order installment payment business of CCB credit card merchants, and you will get equal points of the total installment principal at one time (originally, the corresponding points will be accumulated when the principal payable in each installment is recorded); Successfully handling the consumption installment business will not change the original transaction points, and no additional points will be counted; Successful car purchase and housing installment business will no longer accumulate corresponding points. \4. The calculation date of credit card points of CCB is the bank bookkeeping date of this consumption. \5. Credit card bonus points of CCB are extra points calculated to encourage cardholders to spend, use cards or use related products or participate in activities and meet the reward conditions. Reward points are calculated and used according to the terms of the activities published by the reward activities. For example, reward points for card opening, double the activity points, etc. \6. The points of the cardholder's main card and supplementary card are combined, and the points generated by the consumption of supplementary cards are accumulated to the main card \ \ 2. The rules for the accumulation of credit card points of CCB \ The cardholders can accumulate points when using CCB credit cards to swipe their cards in hotels, hotels, restaurants, entertainment, department stores and other retail stores, as well as goods by mail order and installment payment through the credit card center of China Construction Bank. \ \ 3. The credit card points of CCB will not be calculated: \1. Pay revolving credit interest, annual fee, late payment fee, installment payment fee and other expenses, and cash withdrawal and repayment with Longka credit card; \2. Related expenses paid by withholding and payment, and transactions paid on behalf of others by swiping the card; \3. Merchant consumption in non-profit industries such as real estate, automobiles, wholesale, hospitals, schools, charity and social services, and financial and government payment transactions (such as insurance, investment, tax payment and fines); \4. Other transaction types and merchants designated by China Construction Bank. \5. If points are calculated for transactions that should not be given due to merchants' failure to install bank card acceptance equipment according to the regulations of China UnionPay, China Construction Bank has the right to deduct the points of the cardholder. China Construction Bank will not be responsible for the accumulated points due to the acquirer or merchants' failure to set the merchant category correctly according to the regulations of China UnionPay. \6. If the goods or services purchased by credit card are returned for any reason, or the money is returned due to the dispute of signing the purchase order, or for other reasons, China Construction Bank will deduct the points originally obtained through this transaction. \ \ If you still don't know how to calculate the credit card points of CCB, you can call customer service at 95533 for detailed consultation.
How to calculate the credit card points of China Bank
The accumulation rules of credit card points of China Bank Card:
1. According to the cumulative classification of products:
(1) The general card, gold card and titanium card products of BOC series credit cards and Great Wall series credit cards accumulate 1 point for every consumption of 1 yuan RMB (except BOC Credit Card of Air China Companion);
(2) platinum series credit cards, unlimited credit cards, great wall diamond credit cards and great wall world pole credit cards accumulate 1 point for every 1 yuan RMB spent in China (excluding Hong Kong, Macao and Taiwan), and double points for other countries and regions.
(3) Great Wall American Express Private Bank Credit Card accumulates 2 points for every 1 yuan RMB spent in China and other countries and regions.
(4) Air China Zhiyin Bank of China Credit Card accumulates 1.5 points for every 1 yuan RMB spent (1 point is automatically converted into Air China mileage as the "Future Wan Li" plan, and .5 point is accumulated into the trading points account in my name).
(5) Holding car cards (including Great Wall Global Love Car Credit Card, Hutong Credit Card, Bank of China Express Credit Card and Bank of China Liaotong Credit Card) at any gas station in China (refueling merchants with MCC of 5172, 5541 and 5542) can get .5 points for spending money in 1 yuan.
(6) The Great Wall Enterprise Business Card will accumulate 1 point for each consumption of 25 yuan RMB; The financial official card and the Great Wall unit card will accumulate 1 point for each consumption of 1 yuan RMB.
(7) China Mobile Credit Card Platinum Card accumulates 1.5 points for every RMB spent in China (excluding Hong Kong, Macao and Taiwan), and double points for other countries and regions.
(8) All credit cards (such as airline co-branded cards, Ctrip co-branded cards, etc.) with automatic points redemption function will automatically convert their consumption points (unless otherwise specified) into products or services (such as airline miles, Ctrip gift cards, etc.) of the corresponding cooperative institutions on the billing date of each month, and the conversion ratio shall be subject to the co-branded card rules; Its marketing points will not be automatically redeemed, but cardholders can actively redeem them through BOC points redemption channels, and the redemption rules shall be subject to the publicity of points redemption channels.
if the above credit card consumption is insufficient, 1 yuan will not accumulate trading points.
2. According to the cumulative classification of foreign currencies:
(1) For credit cards with USD currency, the total consumption of ordinary cards, gold cards and titanium cards is 7 points, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 14 points.
(2) For credit cards in yen currency, the total cost of ordinary cards, gold cards and titanium cards is 14 yen, and the total cost of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 14 yen, resulting in 2 points.
(3) For credit cards with euro currency, the total score is 7 points for ordinary cards, gold cards and titanium cards, and 14 points for platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards.
(4) For credit cards in pound sterling, 1 points will be accumulated for ordinary cards, gold cards and titanium cards, and 2 points will be accumulated for platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards.
(5) For credit cards in Australian dollar currency, the total consumption of ordinary cards, gold cards and titanium cards is 5 points, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 1 points.
(6) For credit cards in Hong Kong dollars, 1 point will be accumulated for ordinary cards, gold cards and titanium cards, and 2 points will be accumulated for platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards.
(7) If the Great Wall Enterprise spends $3 on its official card, it will be 1 point.
3. Cumulative rules for installment payment business:
When installment payment transactions of BOC (Great Wall) series credit cards are deducted from the account in each installment, points will be generated according to the installment amount recorded, and 1 point will be accumulated for each 1 yuan RMB; If the customer applies for one-time repayment in advance, points will be generated according to the recorded amount of one-time repayment.
4. Accumulated trading points are not allowed for the following items:
(1) various interest and handling fees stipulated in the articles of association of China Bank's credit card or the collection contract, including but not limited to the annual credit card fee, cash withdrawal fee, overdraft interest, liquidated damages and other credit card charges;
(2) Credit card transfer, cash withdrawal, deposit (repayment), withholding, payment on behalf of others, credit balance return, and manual bill pressing transactions;
(3) online banking and telephone banking;
(4) low or zero discount rate and special types of merchant consumption, including but not limited to real estate, automobile sales, wholesale transactions, public hospitals, public schools, junior and higher schools, government services, charity and public undertakings, non-profit undertakings and other industries, as well as financial and government payment transactions (such as insurance, fines, investment, bail, tax payment, etc.).
(5) The acquirer has set up a white list of special billing marks, preferential categories, reduced or non-standard billing according to the relevant specifications of China UnionPay and other relevant institutions;
(6) the consumption of credit cards by merchants of third-party payment platforms;
(7) Merchant consumption whose MCC code of merchant category is not listed in China UnionPay merchant category code;
(8) Consumption of UnionPay brand credit cards through domestic online transactions;
5. Other rules for the accumulation of points:
(1) There is a cap on the points of consumer transactions during the billing period: for cards with a credit limit of more than 5, yuan, it is capped at 3% of the credit limit, that is, domestic consumer transactions that have accumulated more than 3% of their credit limit during the billing period will not accumulate points; For cards with a quota of less than or equal to 5, yuan or zero, the accumulated points of domestic consumer transactions will reach 15, during the billing period.
(2) If the goods or services purchased by credit card are returned for any reason, or the money is returned due to bill signing disputes or other reasons, China Bank will deduct the accumulated trading points at that time.
(3) Participate in the integral marketing activities carried out by China Bank from time to time, and during the marketing activities, meet the activity rules and meet the conditions of integral accumulation, and accumulate the points according to the amount stipulated in the activity rules.
the above contents are for your reference. please refer to the actual business regulations.
how to calculate the credit card points of China Bank?
Rules for calculating credit card points of China Bank:
1. For the products of BOC series credit cards, Great Wall series credit cards, such as Puka, Gold Card and Titanium Card, every time you spend RMB in 1 yuan, you will accumulate 1 point of "BOC Points 365" bank card consumption points (except BOC Credit Card of Air China Zhiyin).
2. When a credit card with platinum rating or above is traded in China (excluding Hong Kong, Macao and Taiwan), it will accumulate 1 "BOC Points 365" bank card consumption point for every RMB spent in 1 yuan, and 2 "BOC Points 365" bank card consumption points for every RMB spent in 1 yuan in other countries and regions. Among them, Great Wall American Express Private Bank Credit Card accumulated 2 points of "BOC Points 365" for every 1 yuan RMB spent in China and other countries and regions.
3. For all credit cards (such as airline co-branded cards) with automatic points redemption function, their bank card consumption points (unless otherwise specified) will be automatically redeemed for products or services (such as air miles) of the corresponding cooperative institutions on the billing date of each month, and the redemption ratio shall be subject to the rules of co-branded cards; Its marketing points will not be automatically redeemed, but cardholders can actively redeem them through the points redemption channel of China Bank, and the redemption rules shall be subject to the publicity of the points redemption channel.
4. For credit cards with US dollar currency, for ordinary cards, gold cards and titanium cards, 7 points of "BOC 365" bank card consumption points are accumulated for every US dollar spent, and 14 points of "BOC 365" bank card consumption points are accumulated for credit cards with platinum level or above.
5. For credit cards with yen currency, for ordinary cards, gold cards and titanium cards, if they spend 14 yen, they will accumulate 1 point of "BOC Points 365" and 2 points of "BOC Points 365".
6. For credit cards with euro currency, the ordinary card, gold card and titanium card products spend 1 euro to accumulate 7 points of "BOC Points 365" bank card consumption points, and credit cards with platinum level or above spend 1 euro to accumulate 14 points of "BOC Points 365" bank card consumption points.
7. For credit cards with sterling currency, for ordinary cards, gold cards and titanium cards, 1 points of "BOC Points 365" will be accumulated for spending 1 pound, and 2 points of "BOC Points 365" will be accumulated for spending 1 pound on credit cards with platinum level or above.
8. For credit cards with Australian dollar currency, for ordinary cards, gold cards and titanium cards, 5 points of "BOC Points 365" will be accumulated for spending 1 Australian dollar, and 1 points of "BOC Points 365" will be accumulated for spending 1 Australian dollar for credit cards with platinum level or above.
9. For credit cards with Hong Kong dollar currency, for ordinary cards, gold cards and titanium cards, 1 point of "BOC 365" bank card consumption points will be accumulated for every HK dollar spent, and 2 points of "BOC 365" bank card consumption points will be accumulated for credit cards with platinum level or above.