As credit cards become easier and easier to apply for, more and more people use credit cards, and you will earn points when you use credit cards to make purchases. In short, credit card points are a reward from banks for using credit cards, but most people never use their points until they are cleared. In fact, to put it bluntly, points are money. Points can be used to redeem gifts, miles, and deductions. Handling fee, why don’t you use the free benefits?

How to use credit card points reasonably

1. Payment with points

Nowadays, many banks have opened payment functions for telephone bills, broadband, water and electricity bills, etc. Pay through the bank's mobile APP, and you can also use points to offset part of the cash. The annual fee can also be deducted with points.

2. Redeem flight miles

Converting flight miles is very cost-effective for people who often need to travel by air. Redeemable airline mileage points can be used to redeem air tickets or gifts in the airline mall center.

3. Points Lottery

The points drawn can be used in draws. For example, points from China Merchants Bank can be used to draw the latest electronic products, and points from Industrial Bank can be used to draw smartphones and air conditioners. Purifiers and other gifts are valuable.

4. Redeem gifts

After you have accumulated a certain amount of points, you can redeem them for exquisite gifts. However, generally speaking, the points required for good things that can be redeemed are relatively small. High, if you don’t have many points, it’s also good to redeem some small gifts.