Let me introduce to you the validity period and accumulation rules of Hua Xia Bank’s credit card points:

1. Validity period of Hua Xia Points

Currently, Hua Xia Bank’s credit card points are not valid The expiry date may be because Hua Xia Bank wants to promote its credit card business. As for the validity period of credit card points, Hua Xia Bank stipulates that there is no limit on the validity period for the time being. The points will be retained in the main card account until the account is cancelled. Only the cardholder of the primary card can redeem points.

II. Hua Xia Points Accumulation Rules

Regarding the accumulation of credit card points, Hua Xia Bank has made the following regulations:

1. Redemption of eligible consumption transaction amounts The points standard is: 1 point for every RMB 1, and 7 points for every USD 1 spent.

2. The cumulative upper limit of credit card transaction points for each customer per month/one billing cycle is 500,000 points.

3. If the product is returned, Hua Xia Bank will deduct corresponding points based on the amount of the refund.

4. Hua Xia Credit Card points are currently not limited to a valid time, and the points will remain in the main card account until the account is cancelled.

5. Hua Xia Credit Card annual fees, revolving credit interest, cash withdrawals, cash withdrawal handling fees, interest, and fees derived from overdue payments are not included in the accumulation of points.

6. Credit card points cannot be transferred to other cardholders or any third party, and can only be used by the main cardholder.

The above is my arrangement. If you have any questions, please leave a message.