Card swiping bonus is a reward right granted by Bank of Communications to eligible Bank of Communications Pacific Credit Card (hereinafter referred to as "BoCom Credit Card") cardholders (hereinafter referred to as "cardholders"); cardholders If you use the credit card in accordance with these terms and conditions, you can deduct the transaction principal of the relevant transactions using the Bank of Communications credit card within the specified validity period, available range, limit and other special rules

Card credit Use of funds:

1. Each card credit should be used within its respective limit, available range and validity period, and must also comply with other special rules (if any) stipulated by Bank of Communications. .

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 Bank of Communications. For details, please consult the Bank of Communications Credit card website creditcard.bankcomm.com.

2. Within the specified quota and other special rules.

Card credit can be used to offset all or part of the credit card holder's use of the credit card account (including the main card or its supplementary card) with the credit card within the validity period of the card credit. The transaction principal of eligible transactions (hereinafter referred to as "designated transactions").

3. The credit card 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 Bank of Communications system. If the credit card credit remains after the expiration date, it will be automatically invalidated.

4. The use of card swiping funds will be automatically carried out when Bank of Communications performs background accounting for the designated transaction, and 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. , will be credited to the cardholder's account within three days after the designated transaction is posted.

The cardholder must still confirm the full transaction principal of the designated transaction without deduction at the time of transaction.

5. 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 card charges can be used cumulatively to offset the transaction principal of the same designated transaction. buckle.

The specific order of deductions is that, unless there are terms and conditions for designated activities that give away credit card credits or otherwise stipulated by Bank of Communications, priority will be given to credit card credits with a shorter validity period and the credit card credits to which the credit card credits belong. All other credit (if any) given out under the campaign or conditions.

After all the card swiping funds 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 meet other conditions. Gift card credit.

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.

6. Card credit is a reward right given by Bank of Communications to cardholders. It should not be regarded as cash or cash rights under any circumstances. It cannot be transferred, traded or cashed, and no holder will be held liable. Any change or impact on the cardholder's 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.

Extended information:

Records and inquiries of card credit

1. The card credit received by cardholders for participating in different activities or meeting different conditions will be divided into Separate records; if a cardholder holds multiple Bank of Communications credit card principal cards, the bonus credit received will be credited to the principal card account under his or her name that participates in designated activities or meets designated conditions.

The bonus credit received by supplementary cardholders will be credited to the main card account to which they are attached. Multiple card usage credits under the same main card account, or card usage fees under different main card accounts, cannot be accumulated, combined or converted to each other.

2. Cardholders can check the relevant records and actual usage of their card credit through any of the following methods:

(1) Visit creditcard.bankcomm.com and log in to Bank of Communications Credit Card Online banking inquiry;

(2) The Bank of Communications credit card statement will display the valid accumulated card fee record as of the statement date;

(3) Log in to the Bank of Communications mobile banking inquiry;

(4) Call the Bank of Communications credit card customer service hotline to inquire through telephone banking or manual service.

Reference materials:

Bank of Communications-Card payment business and details