How to quickly earn points with China Merchants Bank credit card

As we all know, China Merchants Bank credit card points are the most difficult to accumulate. You can only accumulate 1 point for every 20 yuan spent. If you want to accumulate up to Earning thousands of points is a very long process. However, there are policies and countermeasures. As long as you play well with your credit card, it is not impossible to accumulate points quickly. Here are a few tips.

The first step: Be familiar with the points rules of China Merchants Bank’s credit cards

It is said that only by knowing yourself and the enemy can you win every battle. The accumulation of credit card points is also the same. Only by mastering the rules of points can you accumulate points quickly. Rules of points of China Merchants Bank’s credit cards It's like this:

1. Ordinary credit card consumption accumulates points, and every 20 yuan/2 US dollars in a single purchase earns 1 point.

2. Car cards and city-themed series gold cards accumulate 1 point for every 20 yuan or 2 US dollars, and an additional 50 points will be given (the points value is an integer), which is double points. Quick online payment is also available. times points.

Second tip: You can accumulate multiple points for your birthday month purchases

China Merchants Bank sometimes offers similar activities such as 10 times your points for your birthday month, so you can concentrate some necessary purchases into In birthday month, quickly earn multiple points for activities.

If there are no activities, but you hold the YOUNG Card, Sina Weibo Credit Card, or GQ Card, you can accumulate double points by spending in your birthday month.

The third trick: Use a combination of cards to get a high redemption ratio

This is actually used in conjunction with the first trick, which is to use the card with double points as a Zhu swipe card, and then use the platinum card as a redemption card.

The China Merchants Bank Platinum Card can be redeemed for relatively high-value miles and hotel points, and the City Card can accumulate multiple points. In this way, a combination of cards can quickly earn a large number of points.

The fourth tip: Participate in various points activities

For example, China Merchants Bank’s current 10-yuan storm event and bill installments can also give you points.

Secondly, China Merchants Bank Credit Card has also developed some credit cards that are free of charge and have points for the first cash withdrawal of the month, targeting the consumption of young people, including YOUNG, Weibo Card, GQ Card, and City Card. Use these cards The first cash withdrawal of each month is free of charge, and you can also accumulate points. Every 20 yuan/transaction = 1 point.

How to quickly accumulate credit card points

Everyone knows that credit card points can be used for many purposes. They can be redeemed for gifts in shopping malls, airline miles, etc. However, many bank credit cards can only rely on Accumulating points through consumption is very slow. So, is there any way to accumulate points quickly? Let’s find out together below.

1. Swipe your card according to the points rules

Most banks can accumulate one credit card point for every dollar spent, but some banks are stingy, such as China Merchants Bank. China Merchants Bank only accumulates one point for every 20 yuan spent. No points are awarded for purchases less than 20 yuan, and only one point is counted for purchases exceeding 20 yuan.

So, if your consumption is an integral multiple of 20 yuan, you can use a China Merchants Bank credit card. If the consumption amount does not exceed 20 yuan but is not an integral multiple of 20, you can use a credit card from other banks.

2. Choose a credit card with permanently valid points

The points of Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, China Merchants Bank, Postal Savings Bank, China Minsheng Bank, Industrial Bank and Hua Xia Bank are permanently valid. , which means that as long as the credit card account is not closed at the above banks, the consumption points will not expire.

The points of other banks such as Bank of China, Bank of Communications, Shanghai Pudong Development Bank and CITIC are valid for two years; Guangfa Bank’s credit card points rules indicate that the points are valid for the same period as the credit card on which the points are accumulated and will be cleared upon expiration. ; Points valid for Everbright Bank credit cards are valid for five years, and for Ping An Bank, they are valid for three years.

3. Choose a credit card that can multiply points

Generally, credit card points are accumulated by swiping the card, so in order to pursue high points, everyone must spend more, but if If you apply for a credit card with multiple points, the points will be accumulated much faster than with ordinary credit cards.

Many banks such as Guangfa Bank and Citibank have credit cards that allow you to earn multiple points from merchants of your choice, such as Guangfa’s True Love Credit Card, Citigroup Gift Card, etc. In addition, many high-end cards such as platinum cards also offer rewards with multiple points for purchases, such as the CITIC American Express Platinum Credit Card, which offers up to 6 times points for overseas purchases.

4. The whole family works together to accumulate points

It is said that there is strength in numbers, and the same principle applies to credit card points. You can apply for an additional card for your immediate family members, and swipe the additional card. Consumption points are merged into the main card. The more you swipe the credit card, the more points will be accumulated. In this way, the whole family can accumulate a lot of points by swiping the card together.

However, it should be noted that there are restrictions on the application of supplementary cards. Generally, a main card can only apply for a maximum of 4 credit cards. For the specific number of cards, you can consult the customer service of the card issuing bank.

5. You can earn multiple points by spending on your birthday month/day

Most credit cards will have birthday rewards. Cardholders can accumulate multiple points by swiping the card on their birthday month or day. Therefore, some non-emergency large purchases can be arranged to be paid by card on your birthday month/day.

How to accumulate more credit card points?

How to accumulate more credit card points?

1. After shopping for a large amount, swipe your card.

Nowadays, in order to encourage cardholders to spend with their cards, many banks can enjoy double or multiple points after spending a certain amount with their cards. If the cardholder does not reach the single purchase amount and the consumption is not urgently needed, Products can be delayed to combine purchases to get doubled points.

2. Pay attention to the bank’s online shopping points policy.

Many banks now provide online shopping reward point activities. For example, China Merchants Bank is currently conducting a campaign, which is that new overseas online shopping customers will receive 1,000 yuan in points if any one transaction amount reaches US$99 or 600 yuan. . In addition, banks and cooperative merchants often offer activities to earn multiple points by swiping their cards from time to time, which also requires cardholders to pay attention.

3. Use more credit cards on special holidays.

You can put some shopping plans into your birthday month and holidays. Because many banks offer cardholders the opportunity to enjoy doubled points for swiping card transactions during their birthday month or on holidays.

4. Use credit cards more often when spending money abroad.

Use credit cards as much as possible when shopping abroad. Many banks and credit cards provide points and cash back for overseas purchases. Some banks even offer double points discounts.

5. A transaction can be processed multiple times.

Most banks stipulate that one point can be accumulated for every one yuan spent, but some banks do not allow accumulation. For example, China Merchants Bank, this bank's credit card will earn one point for spending 20 yuan, and any less than 20 yuan will be wasted. Yes, for this kind of cardholders, if they have other credit cards that can accumulate points when they make purchases, they can use the non-accumulating card to swipe the corresponding part to get the points, and for the fraction, they can swipe another credit card so that it will not be wasted.

I would like to ask what are the tips for accumulating points on Agricultural Bank of China credit cards?

1. Most purchases are made at merchants that count points, such as hotels, shopping malls, supermarkets, etc. Note that consumption types that do not count points include wholesale, public institutions, charities, schools, and medical care. Institutions, real estate, children's education, etc.

2. Generally, you can get double points by spending during your birthday month. Cardholders can make more credit card transactions during this month.

3. Download the Agricultural Bank of China mobile banking on your mobile phone and pay more attention to credit card activities, sometimes there are activities with multiple points.

For more information about the points accumulation technique of Agricultural Bank of China credit card, go to: View more content

What are the points accumulation techniques of Guangfa Credit Card?

Every day of Guangfa Bank Credit Card You can get one point when you spend one yuan, and you can get 8 points when you spend one dollar.

The trick to earn points with Guangfa Bank’s credit card is to use the card to spend where you can accumulate points. Generally speaking, you cannot earn points by swiping your card at hospitals or individual stores. At the same time, various fees such as Guangfa Bank, transfers, annual fees, etc. are not counted as points. Cardholders can try their best to choose hotels, dining and entertainment and other places for consumption.

For more information on the tips for earning points on Guangfa Credit Card, go to: View more content

How to quickly accumulate credit card points? 5 tips to make your points fly

You can accumulate points by swiping your credit card, and you can use the points to redeem shopping mall gifts, credit cards, airline miles, platinum card annual fees, etc. Credit points are so versatile, but they’re not easy to accumulate. Here, I will teach you 5 tips for quickly accumulating points to make your points fly~~

1. Swipe multiple points on your birthday month

Although each bank’s points policy They are different, but they all provide cardholders with multiple points benefits in their birthday month. Cardholders can enjoy multiple points accumulation by swiping their cards in their birthday month.

For example, with China Merchants Bank’s YOUNG card, GQ co-branded card, Sina Weibo Master Credit Card, and ONEPIEC One Piece Fan Card, you can earn 2x points by swiping your card during your birthday month.

Industrial Bank gets 2 times the points on your birthday, 4 times the points for the standard platinum card, etc.

2. Participate in bank points gifting activities

Many banks have points gifting promotions. If you participate in the activities and meet the conditions, you can get the corresponding points gift.

For example, China Merchants Bank has a campaign to give out points in installments for credit card bills every month, and you can get at least 1,000 credit card points.

Industrial Bank also has corresponding points gift activities every holiday, such as giving 25 times points for purchases on Christmas Day, etc.

3. Multiple people swipe their cards together to earn points

“When one person collects firewood, the fire is not strong, but when everyone collects firewood, the fire is strong.” This saying is also true when it comes to the accumulation of credit card points. The speed at which one person accumulates credit card points is far inferior to the speed at which several people accumulate points together.

So, if you want to accumulate points quickly, you can apply for one or several supplementary cards for your family members. Because the points from the supplementary card are merged into the account of the main cardholder, so the whole family can swipe the card together, and the points will accumulate at a high speed.

4. Buy your order and accumulate my points

In addition to accumulating points by swiping your own card, you can also pay for your friends to get cash and points.

For example, if you are shopping with a friend in a mall, and your friend likes a piece of clothing and wants to pay with cash, you can discuss it with him. You can help him pay with his credit card, and then he will give you the cash. .

As long as you use a POS machine that has points for consumption, you can get points in this way.

This is the end of the introduction on the techniques of using credit card points and how to make money by using credit card points. Did you find the information you need?