Credit card points have the following functions:
1. Redeem gifts. You can go to the bank where your credit card is opened, official website, and find the option of credit card points, then you can see the gifts with convertible points. In addition to physical objects, there will be some goods, experiences and so on;
2. integral mall can exchange gifts by going to the mall. In banks, cooperative merchants can exchange points for goods or deduct a certain amount. Merchants such as Starbucks often have such credit card points redemption activities;
3. Integral oil change, such as the integral oil change of CCB Longka automobile card, belongs to the card type of CCB credit card oil card, and the integral of automobile card is generally oil change. The owner's card may also change oil or toll;
4. Redeem air miles. Some credit card points can be directly exchanged for air miles, and the mileage exchanged for points can be used when traveling or traveling;
Credit card application conditions are as follows:
1, the age of the credit card principal applicant should be at least 18 years old;
(1) The maximum age limit for China Merchants Bank, CITIC and Pudong Development Bank is 60 years old;
(2) The maximum age limit for Guangfa, Bank of Communications, Minsheng, Ping An and Huaxia is 65 years old;
(3) The maximum age limit of CCB can be extended to 70 years old.
2. Supplementary card applicants can generally apply at the age of 16;
(1) China Merchants Bank and Agricultural Bank require 14 years old or above;
(2) Minsheng and CCB only need 13 years old to apply for supplementary cards.
3. The applicant must have a stable job and legal income, and have certain repayment ability.
Article 36 of People's Republic of China (PRC) Commercial Bank Law
When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
How to exchange credit card points?
Credit card points can be redeemed in the following ways:
(1) Apply for redemption of gifts provided by credit card integral mall through bank official website, self-service voice phone and SMS.
(2) Credit points are used to offset part of the amount when the cooperative merchants of the Bank swipe their cards offline.
(3) Call the bank credit card customer service hotline to apply for points redemption.
(4) Bank outlet exchange.
When you use points to exchange goods online, you must fill in the exact address to avoid sending them wrong.
How to exchange credit card points is the most cost-effective?
1. Try to exchange virtual items.
Although most banks can offer a variety of credit card points redemption, cardholders should choose virtual goods for redemption, such as mobile phone recharge cards, supermarket shopping cards or gas cards, rather than physical goods for redemption.
After cardholders use credit card points to exchange physical goods, in addition to spending points, some banks will also require cardholders to pay freight, which will generate additional costs. According to the survey, many cardholders reported that the bank's physical delivery speed was slow, and some people even received the exchanged goods one month later.
In addition, if there are quality problems in the exchange of goods, banks are usually not responsible for after-sales, and generally need cardholders to negotiate with the merchants who provide goods. However, cardholders use credit card points to exchange goods, and most banks cannot provide invoices, which makes it difficult for cardholders to return goods.
2. Try to exchange high-value goods.
There will be many kinds of goods on the website when the bank points are exchanged. Although there is little difference in the value of goods that can be exchanged for the same points, there will be differences in the prices of goods that can be exchanged for the same points. If you are hesitant about several items, you may wish to check the prices of these items on the shopping website first, and try to choose the goods with high prices.
3. Try not to change the goods that need to be increased.
There are many products with points, except credit card points, which require cardholders to add some cash to exchange. However, the point redemption product map is free. Unless you like a product very much and check the original price of the product online, you really think it is appropriate to exchange it, otherwise try not to add money to exchange it.
How to exchange credit card points in China Bank?
China Bank Credit Card Points Redemption:
Points can be redeemed through personal mobile banking of China Bank, credit card of China Bank, official account of WeChat and colorful life APP.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How to exchange credit card points of Agricultural Bank of China?
Hello, please redeem points through the following channels:
1. Zhangyin: Please log in to Zhangyin APP and click "Home → Credit Card → Points → Redeem Now".
2. Online Banking: Please log in to personal online banking and click "Credit Card → Points → Redemption".
3. Credit card WeChat: Please pay attention to the official account of "Agricultural Bank Credit Card" WeChat, and click "Rights/Notes → My Points → Point Redemption" at the bottom of the page to apply for point redemption.
4. SMS: Please use the mobile phone number reserved in the credit card system of Agricultural Bank of China to send the SMS "Last four digits of CCJFDH# # Gift number (4 digits) # Redemption quantity (2 digits)" to 1069095599 to submit an application for redemption of points.
5. Customer service hotline: Please call the credit card customer service hotline 4006695599 to apply for points redemption.
6. Designated merchants: Please go to our point consumption cooperative merchants and redeem points through POS machines (please visit the credit card page of our website for the list of point consumption cooperative merchants).
(Answer time: 202165438+February 20th. In case of business change, please refer to the actual situation. )
This concludes the introduction of how to redeem credit card points and how Tencent Video members can redeem credit card points. I wonder if you have found the information you need?