Card swiping bonus is a kind of bonus privilege, which can only be enjoyed by qualified credit card owners. Cardholders can obtain it by participating in Bank of Communications credit card activities that provide card swiping bonuses.

For example: "Redtest Friday, Supermarkets Enjoy 5% Credit Card Reward" and "Redtest Friday, Come on and Enjoy 5% Credit Card Reward", etc. The card swipe bonus received by the cardholder can be used to offset the transaction principal of related transactions with the Bank of Communications credit card within the specified validity period, available range, quota and other special rules. Different from

cash rebates, card credit has a specified validity period, usable range, amount and usage rules. Of course, more importantly, card credit cannot be withdrawn directly.

Extended information:

Card bonus is a bonus right given by Bank of Communications Pacific Credit Card Center to eligible Bank of Communications Pacific Credit Card holders; cardholders shall comply with these terms and conditions. Details: The use of credit card can be used to deduct the transaction principal of related transactions using Bank of Communications credit cards within the specified validity period, available range, quota and other special rules.

Cardholders who participate in the designated activities of the Center or meet the specified conditions of the Center and receive the card credit can only handle the card credit business and use the card credit; the specific conditions for receiving the card credit are as follows: The terms and conditions of relevant market activities or the relevant regulations of the Center shall prevail.

If the cardholder has any of the following circumstances, the Center reserves the right to cancel the credit card credit he has received or refuse to use the credit card credit:

The Bank of Communications credit card he holds is Deactivated or controlled, the card is not activated or canceled, the card has expired and has not been renewed, or the account status is abnormal;

The cardholder applies to cancel the card within the validity period of the credit card;

The cardholder violates the applicable credit card regulations or usage contract, these terms and conditions, and other relevant regulations of the Center;

The Center has independently judged that the cardholder has made an untrue transaction or use other methods to fraudulently or maliciously use credit card fees.

Rules for the use of card credit:

Each card credit should be used within its corresponding amount, available range and validity period, and must also comply with the regulations of this center other special rules (if any).

The specific validity period, usable scope and other special rules of each card credit are subject to the terms and conditions of the designated activities for gifting card credit and the relevant regulations of the Center; the Center reserves the right to update them from time to time For rights regarding these terms and conditions or related provisions, please check the Bank of Communications Credit Card website for details.

Within the specified limit and other special rules, the credit card fee can be used to offset all or part of the credit card account (including the principal's account) that the cardholder uses during the validity period of the credit card credit. card or its supplementary card) within the available range of card swiping funds (hereinafter referred to as "designated transactions").

Card credit must be used within its validity period. The specific usage time shall be subject to the transaction time of the designated transaction recorded in the center's system. If the credit card credit remains after the expiration date, it will be automatically invalidated.

The use of card swiping funds will be automatically carried out when the center performs background accounting for designated transactions. The deduction amount will be in the form of a return transaction that is fully or partially offset with the transaction principal of the designated transaction. The designated transaction will be credited to the cardholder's account within three days after it is posted. The cardholder must still confirm the full transaction principal of the designated transaction without deduction at the time of transaction.

If the cardholder has multiple credit card charges under the same Bank of Communications credit card that meet the deduction conditions for the designated transaction, the multiple credit card credits can be used cumulatively to deduct the transaction principal of the same designated transaction; The specific order of deductions is as follows: Unless otherwise specified in the terms and conditions of the designated activity for which the card credit is given, or otherwise stipulated by the Center, priority will be given to the card credit with a shorter validity period, and the card credit given away under the activities or conditions to which the card credit belongs. All other card credit (if any); after all the card credit given out under such activities or conditions are used up, if the transaction principal of the designated transaction is not fully deducted, it can be used to participate in other activities or Credit card bonus will be given if other conditions are met.

In the case where multiple card swiping funds are used for the same designated transaction, when calculating the actual deductible amount according to the respective rules of each card swiping fund, the original transaction principal amount of the designated transaction will be used as a basis.

Card bonus is a reward right given by the Center to the cardholder. It should not be regarded as cash or cash rights under any circumstances. It cannot be transferred, traded or cashed, and will not infringe upon the cardholder. Any change or impact on your credit limit, available limit, account balance, etc.

Card swiping funds can only be used to offset the principal part of the transaction amount of the designated transaction, and may not be used to offset the interest, handling fees and other transaction principals under the cardholder's Bank of Communications credit card, nor may Used to offset any amounts due from the cardholder.