What are credit card points? What can it do?

As we all know, credit cards have many advantages, such as an interest-free period of 4 to 5 days, high-end cards and some benefits such as travel and accommodation. I often hear some card gods talking about bonus hunter, in fact, they just use credit cards to score points. So, what are the uses of credit card points?

1. Convertible physical gifts

Credit card points can be exchanged for physical gifts in credit card malls of major banks, including household appliances, daily necessities, digital products and so on. Cardholders can log on to the official website of the issuing bank to find out what gifts can be redeemed and how many points they need, and redeem them according to their own needs and points.

2. Convertible air miles

Some airline co-branded cards, platinum cards and business travel cards can use credit card points to redeem air miles, or directly accumulate air miles when spending by credit card. Air miles can be exchanged for free air tickets, saving cardholders a sum of money for travel.

3. Convertible credit card payment

Credit card points of some banks can be directly spent as money in cooperative merchants and exchanged for corresponding credit card payment. For example, the credit card consumption activity launched by Guangfa Bank, with 6 points =1 yuan, can be directly spent in CR Vanguard, OK convenience store, KFC, Pizza Hut, Burger King, Pacific Coffee, Subway and other merchants. The activities of different banks are different.

4. Redeem value-added goods

In addition to regular redemption, some card-issuing banks will also launch credit card points redemption activities, and a small amount of points can be redeemed for value-added goods of cooperative merchants. For example, China Merchants Bank credit card can exchange 799 points for Starbucks coffee; CITIC Bank launched a 9-share redemption activity, where cardholders can redeem 9 points of CITIC for spending money of Haagen-Dazs, Starbucks and Wanning 3 yuan, etc.

5. Redeem a high annual fee

Some high-end credit cards charge a high annual fee, and these annual fees cannot be exempted by the number of swipes or the amount. But some cards can be redeemed by points.

So, don't ignore the function of integral. Those are glistening silver. However, Xiao Bian would also like to remind that many banks' credit card points have a time limit, so you must remember to redeem them in time.

should I get a credit card? Excuse me, what are the benefits of credit cards?

Hello, landlord, there are many benefits of credit cards. 1. Consume first and then repay. When you feel that the funds are tight, you can also choose to repay in installments to reduce the repayment pressure. 2. When the points reach a certain amount, you can exchange points, gifts or air miles. 3. Enjoy some discounts from merchants. For example, Guangfa Credit Card has Subway every Friday, Starbucks, Wanning, etc. All of them can enjoy the discount of buy one get one free or discount.

I am a post-9s graduate, and I want to apply for a credit card. What are the benefits of a credit card?

For our fresh graduates, which bank offers the most discounts is the best credit card. Hehe, I personally recommend Guangfa Credit Card, which can not only repay the loan in installments online, but also enjoy discounts from some merchants. Subway and Starbucks can enjoy the discount of buy one get one free on Guangfa Day, and you can also use the points of Guangfa Card as cash when you buy breakfast at Xishiduo and OK convenience stores.

what kind of credit card can be used to buy things? It's a discount.

Let's distribute it widely! I bought a lot of things in NOVO and Wanning the other day during Guangfa Day, and they were all expensive. < P > What's the use of credit card points?

Credit card points will be generated when spending by credit card, and the accumulated points of credit card will also play a very important role, such as annual fee reduction, gift redemption, activity lottery, coupon redemption and so on.

1. Annual fee waiver

After the credit card is activated, an annual fee will be generated. How many transactions are needed each year to waive the annual fee? The annual fee for platinum cards and above is higher, and the requirements for exemption from the annual fee are also higher. The points accumulated by using the credit card can be used to reduce the annual fee and enter the bank APP to complete the redemption procedure.

2. Redeem gifts

Almost all credit cards in major banks have introduced credit card integral mall. Cardholders can log in to integral mall and use their credit card points to redeem desired gifts, product coupons, etc., which can be physical goods or video members.

3. Redeem air miles

Some credit card points dedicated for business trips can be redeemed for air miles, and then deducted by reducing the purchase amount.

4. Points are exchanged for oil

For example, the points generated by the owner's credit card of CCB can be exchanged for oil. In addition, credit cards such as owner's cards and car cards launched by other banks basically have the activity of exchanging points for gasoline, so cardholders should always pay attention to the news of official website.

5. Points lucky draw

Points generated by credit cards can be drawn in the credit card mall. For example, credit card points of China Merchants Bank can draw electronic products in the mall, and credit card points of Industrial Bank can collect goods such as mobile phones and air purifiers.

6. Deducting consumer vouchers

These credit card points generally need to be used in designated businesses. For example, CITIC Bank has launched the activity of redeeming 9 points for Pizza Hut 3 yuan vouchers, and Huaxia Bank has launched the activity of redeeming JD.COM full and reduced vouchers.

7. redemption of points

here, credit card points are not redeemed directly. You can exchange goods in the credit card mall and then buy and sell them to cash, but there will be some discounts for third-party transactions.

Extended materials:

In order to encourage customers to spend, banks have made a big fuss about credit cards. Apart from various value-added and preferential services, the biggest similarity is "points". When a customer swipes a card, the bank will score points according to the customer's spending amount, and the standard given by most banks is 1 point for spending 1 yuan money.

with the accumulated "points", customers can exchange gifts and offset consumption at the bank. But many customers forget to use these points after spending, for one reason or another. The points that can be permanently saved are fine, but it is a pity that some banks will automatically "clear" the points after one or two years.