1. Online banking exchange: cardholders can exchange their credit cards online in integral mall;

2. Customer service telephone exchange: the cardholder can call the service telephone designated by the bank for exchange;

3. SMS redemption: the cardholder can edit the SMS and send it to the customer service number designated by the bank to redeem the goods; 4. Point consumption offset: When the cardholder joins the merchant in the bank for consumption, he can offset the cash consumption with points;

5. Bank outlet exchange: Cardholders can exchange at designated business outlets of banks;