Postal Savings Bank credit card earns points. Cardholders use the credit card to make purchases and installments at merchants. As long as a single purchase exceeds RMB 1, 1 point will be accumulated. Any amount less than RMB 1 will be rounded off. Accumulated points can be used to redeem point gifts, gift certificates or related value-added services. When a cardholder makes a single purchase using a Postal Savings Bank credit card, the points generated by the transaction amount will take effect on the day after the transaction is recorded. The consumption of the main credit card and the supplementary card will accumulate points, and the points of the supplementary card will be merged into the main card account. If the original transaction amount is reduced due to consumer returns or disputes, Postal Savings Bank will reduce the corresponding points accordingly.

1. Credit card points have many uses. The following are some common ones:

1. Redeem gifts. You can go to the bank's official website of your credit card to look for credit card points options, and you can see the gifts that the points can be redeemed for. In addition to physical objects, there will also be some products, experiences, and the like.

2. Points mall to redeem gifts, you can go to the mall to redeem gifts. Points can be used to redeem goods or deduct a certain amount at bank partner merchants. Merchants such as Starbucks often have such credit card point redemption activities.

3. Points can be used to change oil. For example, CCB Long Card car card points can be used to change oil. It is a type of CCB credit card oil card. Car card points are generally redeemed for oil. The car owner's card may also be redeemed for oil or tolls.

4. Redeem airline miles. Points from some credit cards can be directly exchanged for airline miles, and the miles converted from points can be used when you go on a business trip or travel.

5. Some credit card points can also be directly redeemed for annual fee reductions.

2. Things to note when using credit cards:

1. Pay attention to two dates: the billing date and the repayment date

Generally, the repayment date is after the billing date 20 days or 25 days. If the card is swiped one day after the bill date, the interest-free period will be the longest. If the card is swiped the day before the bill date, the interest-free period will be the shortest.

2. Protect the credit card information

The three most critical information on the credit card: card number, expiration date, and CVV code. These three key information affect the security of your card use. , especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code directly, and keep those three numbers in mind.

3. Only by swiping your card frequently will you be able to avoid annual fees; only by paying your bills on time can you increase your credit limit

Generally, the annual fee will be waived if you swipe your credit card six times. Therefore, you must pay the annual fee. In addition, you can increase your credit card limit by swiping your card more frequently. At the same time, you must pay off your bills on time and maintain a good credit record. This is also a way to increase your credit limit. Moreover, mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified, and you don’t have to go to a bank branch or teller machine to transfer funds. Repayment.

5. If your funds are not flowing smoothly, or your repayment is delayed due to something, you can call customer service to apply for an extension of repayment

If your funds are temporarily unable to be circulated, or your repayment is delayed due to something If your repayment is delayed, don’t worry, call the bank’s customer service immediately and apply for an extension of one to three days.