Mr. Chen's Guangfa Credit Card originally had 226,600 points. In integral mall, the credit card of Guangfa Bank, 192000 ordinary card points can be exchanged for 40L suitcases worth 320 yuan. However, after the cardholder replaces the new card, the points of the original credit card are cleared. According to the reply of the staff of Guangfa Bank, when the credit card is replaced with a new one, the Puka points will be cleared and re-accumulated; Gold card points will be converted into new cards at a discount of 30%.
Guangfa Bank is not the only bank that adopts a similar policy of clearing cards for points. As a feedback from the issuing bank to the cardholder's fee, the bank can make its own points policy. As stipulated by Ping An Bank, the points obtained from credit card transactions (except diamond cards) in the same cardholder's account are subject to consolidated management. Every three years is an accumulation period, and the points in this period will be cleared at the end of the second month of each accumulation period. Since 14 and 16, 2065, if a user issues a new card, the month when the new card is issued shall be the starting month of accumulating account points (including but not limited to new application for issuance, loss reporting replacement, damaged replacement, expired renewal, supplementary card application and application for other card types); However, diamond card points are permanently valid.
The points of other banks are valid on an annual basis. For example, the credit card points of China Everbright Bank are valid for five years from the year when the transaction is generated. For example, the credit card consumption in March of 20 1 1 expires at the end of 20 15.
Minsheng Bank's credit card points are permanently valid and can be used as long as they are not cancelled. Credit card points of China Merchants Bank are always valid, except for some special cards, such as car cards and city theme series gold card points, which are valid for three years. The consumption mileage of airline co-branded cards and the validity period of Gloria Hotels Group co-branded cards need to be determined by the partners.
In addition to the "guarantee period" of the points, some cards that have not been used for a long time may be cancelled according to the transaction years and the validity period of the cards. For example, Guangfa Bank will clear the points of static users and cards with abnormal repayment. If all cards under the cardholder's name have not been used for more than one year, the points of all cards will be cleared. Or if the cardholder fails to repay the next card on time for more than 4 months, the card points will be cleared.
Cai Xiao suggested that credit card points policies of different banks are quite different, and cardholders should pay attention to the website of the issuing bank to avoid the invalidation of points. When you apply for a credit card, you can also consult the bank to find out the details of the points, and find out whether the points of the bank's credit card are valid, so as to avoid the loss caused by forgetting to redeem the credit card points because of the zero-clearing policy.