1. Longka credit card holders can accumulate points according to the calculation method of Longka credit card when spending by credit card (except Longka business card), and can redeem corresponding physical gifts, air miles, services, etc. (hereinafter referred to as "bonus") According to the regulations of China Construction Bank.

2. Under any of the following circumstances, China Construction Bank has the right to disqualify Longka credit card holders from participating in points activities: they are suspected of using false transactions to defraud points (including swiping cards for other people's transactions), their China Construction Bank Longka credit card has been stopped or restricted, cancelled by themselves, violated the China Construction Bank Longka Credit Card Acquisition Agreement, violated the China Construction Bank Longka Credit Card Charter or these points rules and other relevant provisions.

3. China Construction Bank has the right to require cardholders to provide consumer transaction invoices, shopping vouchers and other materials to verify the authenticity of the transaction; If the cardholder is unable to submit relevant materials, China Construction Bank has the right not to exchange them; Once it is verified that the cardholder has obtained points exchange arbitrage due to false transactions, China Construction Bank has the right to take measures such as freezing points, clearing points, freezing cards and canceling cards, and reserves the right to pursue further; If the aforementioned acts may constitute a crime, China Construction Bank has the right to report the case to the public security organ and provide relevant materials and information to the judicial organ.

4. Credit card points are the feedback items given by China Construction Bank to cardholders for credit card spending, and they do not constitute cardholders' assets until they are redeemed for points gifts. Points cannot be transferred to other cardholders or any third party, and any transfer will have no impact on China Construction Bank.

Second, the rule of integral accumulation

Cardholders can use China Construction Bank Longka Credit Card to accumulate points in hotels, restaurants, entertainment, department stores and other retail stores; For merchant installment and mail order installment, you can get the equal points of the total installment principal at one time. However, the following items will not be counted:

1. Pay revolving credit interest, annual fee, late payment fee, installment fee and other expenses with Longka credit card, and withdraw cash for repayment;

2. Related expenses withheld and remitted and transactions paid by credit card on behalf of others;

3. Merchant consumption in non-profit industries such as real estate, automobiles, wholesale, hospitals, schools and other charitable and social services, as well as financial and government payment transactions (such as insurance, investment, tax payment, fines, etc.);

4. Car purchase installment, decoration installment, study abroad installment, parking installment, consumption installment, bill installment and cash installment business;

5. Excellent business cards-business cards for various consumption;

6. Special billing merchants determined by UnionPay;

7. Other transactions or merchants designated by China Construction Bank that do not earn points.

If a merchant fails to install a bank card acceptance machine in accordance with the regulations of China UnionPay, resulting in the calculation of points for transactions that should not be given points, China Construction Bank has the right to deduct the points of cardholders. China Construction Bank will not be held responsible for the failure of the acquiring bank or merchant to correctly set the merchant category according to the regulations of China UnionPay, which will affect the accumulation of points.

China Construction Bank has the right to review the legality, authenticity and legitimacy of the transactions in which cardholders get points, and requires cardholders to provide proof materials such as POS purchase orders and shopping invoices. If the cardholder fails to provide the certification materials that meet the requirements of CCB on schedule, CCB has the right not to grant the cardholder points or take deduction measures.

Third, the calculation method of integral

1. Longka credit card points include basic points and reward points.

2. The basic point is that the cardholder uses the Longka credit card, and every time he spends 65,438 yuan +0 yuan products 1 points (when spending with Shanghai Volkswagen Longka, 65,438 yuan+0,000 yuan is 6 points); Every time you spend $65,438 +0 yuan, you get 7 points (if you spend with Shanghai Volkswagen Dragon Card, you get 4.2 points for $65,438 +000); Spend 1 euro with the European Travel Card and get 9 points.

Excellent business card-personal business card consumption RMB 1 yuan product 1 points; For transactions settled in US dollars, CCB will accumulate points according to the amount recorded in RMB after the cardholder purchases foreign exchange on the bank bookkeeping date.

3. The calculation date of points is the bank bookkeeping date of this consumption.

4. Reward points are extra points calculated to encourage cardholders to spend, use cards or use related products or participate in activities and meet the reward conditions. Reward points are calculated and used according to the terms of the activities announced by the reward activities.

5. The points of the cardholder's main card and supplementary card are combined and calculated, and the points generated by the consumption of supplementary cards are accumulated to the main card.

6. If the goods or services purchased by credit card are returned for any reason, or the money is returned due to a purchase order dispute, or returned for other reasons, China Construction Bank will deduct the points originally obtained through this transaction.

Fourth, the validity period of the points

Points are valid for the whole year within the validity period of the card (except for Shanghai Volkswagen Dragon Card and special provisions), and the points can continue to be accumulated and redeemed after the cardholder renews the card; If the cardholder fails to get a new card or cancel the card upon expiration, if there is still a normally used Longka credit card under his name (except Longka automobile card and special provisions), the points of the cancelled card can be transferred to other cards under the cardholder's name. If there is no other credit card, the points of the cancelled card will be cleared.

Five, integral query method

Cardholders can check the balance of points in the following ways:

1. Credit card statement: the statement shows the balance of points as of the billing date;

2. China Construction Bank website: log in to www.ccb.com to check the integral balance of the corresponding card number;

3. SMS: Send it to 95533 through the mobile phone editing SMS "the last four digits of CCJF# card number" reserved in the credit card system of China Construction Bank, and inquire about the credit card points and current summary points of the credit card under the cardholder's name as of the day before sending the SMS.

4. WeChat: Click "Credit Card-More Services" in the WeChat service number dialogue interface of China Construction Bank, and enter the service serial number according to the prompt to reply, so as to query the credit balance of the card number corresponding to the bound credit card.

5. The credit information of Shanghai Volkswagen Dragon Card is subject to the statement of Shanghai Volkswagen Dragon Card. The information displayed on the website and the dedicated pos machine is for reference only, and can be inquired through the dedicated pos machine of Shanghai Volkswagen Dragon Card in Shanghai Volkswagen Sales and Service Store.

China Construction Bank will adjust, supplement or improve the points inquiry channel according to the business development. If the cardholder has any questions about the details of the points transaction, he can call the credit card customer service hotline.

Six, points exchange method

1. The redemption of points shall be applied by the main cardholder, and the supplementary cardholder shall not apply.

2. Points redemption includes the following four ways:

(1) Redeem points gifts online through credit card integral mall. Whether the application is successful or not will depend on whether the cardholder's points are deducted enough and the gift inventory.

(2) When a credit card is swiped by a cooperative merchant who redeems the points of CCB, the points are used to deduct some consumption and redeem gifts.

(3) Longka automobile card points holders can call the customer service hotline of CCB at 400-820-0588 to apply for points exchange for refueling fees.

(4) Cardholders of Diamond Credit Card and Platinum Credit Card (Premium Edition and Elite Edition) can call 400-888-8858 to apply for redemption of points gifts.

3. The points of China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card, China Southern Airlines Dragon Card, Air China Dragon Card, Shanghai Volkswagen Dragon Card and Dongfeng Nissan Dragon Card are specially used for redeeming designated gifts, and the points of other cards under the cardholder's name are not allowed to be transferred to the above cards for special redemption.

4. If the cardholder redeems bonus gifts, the cardholder shall bear and declare the corresponding taxes.

7. integral mall exchange.

1. The host of Longka Credit Card can apply for redemption of integral mall gifts according to these rules, and the redeemable bonus gifts are subject to the latest information published on the website.

2. Gifts in integral mall Central District can only be redeemed with corresponding designated cards, such as diamond credit card, platinum credit card (distinguished version, elite version), champion football card, transformers card, etc. China Construction Bank will adjust and announce the application scope of gift exchange according to the needs of business development.

3. Exchange application method

After the cardholder logs in to integral mall, he/she registers the user/logs in, selects the complimentary gift, and places an order according to the prompt. The order can be completed by confirming the exchange information such as the number of gifts and the delivery address, and entering the mobile phone number and credit card number.

4. Once the gift exchange is applied, it cannot be cancelled or changed, and the cardholder's submission of the application means that CCB is authorized to deduct the corresponding points from other cards under the cardholder's name when the single card is insufficient for exchange.

5. Shipping information inquiry: After successful redemption, you can log in to integral mall to inquire about the delivery of the order in my account.

6. When the cardholder applies for redemption, it shall be deemed that China Construction Bank agrees to submit the cardholder's name, contact number, statement address and other distribution information to the gift suppliers and distribution units, and accept the gift distribution service.

7. diamonds? Gifts in Platinum Card Zone can only be redeemed by holders of Diamond Credit Card and Platinum Credit Card (Premium Edition and Elite Edition); Champion Football Card Zone gifts can only be exchanged for champion football cards, champion football standard cards can be exchanged for club points gifts, and each Zhang Guanjun Football Club card can only be exchanged for club points gifts; Transformers card area gifts can only be exchanged for Transformers cards; Barbie beautiful credit card area gifts are only applicable to Barbie beautiful credit card redemption.

8. The pictures of bonus points in CCB's website or promotional materials are for reference only, subject to the real thing, and some gifts are randomly given colors and colors.

9. Gift exchange is a feedback activity and no invoice is provided. Except for quality problems, all gifts shall not be returned, returned, refunded or exchanged for cash. If the redeemed bonus gift is damaged in the transportation process or the bonus gift itself has quality problems, the cardholder must call the gift supplier's sales hotline indicated on the gift package within 7 days from the date of signing, and it will not be accepted after 7 days. When returning goods, please be sure to keep the original packaging, attached instructions, accessories and related documents. If the cardholder finds the quality problem of the gift during use, he can call the gift supplier to apply for maintenance.

10. Airline miles and electronic coupons redeemed through points have usage regulations such as the use period and scope of application, and cardholders must use them according to these regulations. If it cannot be used in violation of regulations or cannot be used beyond the service period, it will not be returned.

1 1. The gift in kind shall be delivered to the cardholder by the gift supplier according to the statement address of China Construction Bank reserved by the cardholder (only in Chinese mainland, excluding Hong Kong, Macao and Taiwan); Non-physical gifts such as short messages and electronic vouchers are only sent to the cardholders reserved in the credit card system of CCB. Please check the address, zip code and mobile phone number of the statement one week before the redemption application to ensure that the information is correct and complete. If the address is unknown, the cardholder fails to notify China Construction Bank in time or no one receives the goods, and the mobile phone number is not reserved or wrong, the cardholder shall bear the responsibility for the delay and non-delivery.

12. The distribution methods of bonus gifts are as follows:

(1) door-to-door: generally within 20 days after the cardholder applies for renewal (except for national holidays such as New Year's Day, Spring Festival, May Day and Eleventh, remote areas, bad weather and other special circumstances).

(2) Postal parcels: Remote areas and related controlled areas where door-to-door delivery service cannot be provided will be delivered by ordinary postal parcels.

(3) Letter: Discount coupons or other valuable vouchers will be mailed to cardholders by letter.

13. When the cardholder or the signer signs for the gift, they should check the integrity of the gift on the spot, and refuse to sign for it if there are quality problems or defects; Once the cardholder or signer signs for it, it means that the gift has been received.

14. The time and method of crediting air miles to the cardholder's airline member account shall be implemented in accordance with the relevant regulations of the airline.

Eight, points merchant redemption

1. points merchant redemption means that the cardholder can choose to use points to redeem part of the consumption money at the designated cashier and use credit card to pay for the rest. Only the points in the swiped credit card can be used for redemption. China Eastern Airlines Dragon Card, China Southern Airlines Dragon Card, Shenzhen Airlines Dragon Card, Air China Dragon Card, Shanghai Volkswagen Dragon Card, Dongfeng Nissan Dragon Card and special points are not allowed to participate in the exchange.

2. The proportion of points redemption consumption funds to the total amount payable for a single consumption is determined according to the situation of different merchants, and the POS display shall prevail (see the website announcement for the list of cooperative merchants and the proportion of points redemption consumption funds of each merchant to the total amount payable for a single consumption).

3. The credit card payment part will accumulate points (except for the merchant type specified by the bank), and the points exchange part will no longer accumulate points.

4. Cardholders can check the latest information of points redemption partners on the website of CCB.

5. For the part paid by the merchant on the credit card, the cardholder shall be invoiced with the amount of points redeemed by the merchant, and the part redeemed by the points shall not be invoiced. Relevant information has been listed on the points redemption purchase form.

Nine, Longka automobile integral card refueling

1. Car card points can be exchanged for fuel costs. Starting from 50,000 points, multiples of 250 points will increase. For a single redemption, the points can be used up to 500,000 points, and the points of other dragon cards under the cardholder's name cannot be combined with the points of the car card.

2. You can call CCB's 24-hour customer service hotline 400-820-0588 to apply for redemption of car card points.

3. When the car card points are exchanged for other gifts, the general points exchange rules are applicable, but the above rules are not applicable.

X. special exchange for airline co-branded cards, Dongfeng Nissan Dragon Card and Shanghai Volkswagen Dragon Card.

1. The points of China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card, China Southern Airlines Dragon Card and Air China Companion Dragon Card are automatically converted into Eastern Miles Flying Points, Shenzhen Airlines Zunpeng Club Mileage, China Southern Airlines Pearl Club Mileage and Air China Companion Club Mileage.

2. Dongfeng Nissan Longka points will be automatically converted into Dongfeng Nissan membership points.

3. Shanghai Volkswagen Dragon Card points are valid for 5 years and can be used when Shanghai Volkswagen appoints special dealers and special maintenance stations to purchase complete vehicles, parts and accessories. The cash equivalent is directly deducted from the integral, 1 integral deduction 1 yuan. Shanghai Volkswagen's new car can be deducted up to 6000 yuan, and spare parts (including spare parts costs in maintenance) can be deducted from 10% of actual sales.

XI。 legal nexus

There is no cooperation, distribution or agency relationship between China Construction Bank and integral gift suppliers, and there is no * * * relationship with sellers, advertising media or guarantors; China Construction Bank is only responsible for submitting relevant gift information to suppliers on behalf of cardholders and paying the gift consideration (if any) for cardholders.

Gifts exchanged by cardholders are provided by suppliers, who are responsible for their quality, quantity, style, color and after-sales service. If the cardholder disputes the gifts and after-sales service provided by the supplier, China Construction Bank is only responsible for assisting the cardholder to get in touch with the supplier. China Construction Bank guarantees that its selected or designated suppliers have the corresponding qualifications stipulated by laws and regulations.

Twelve. Modification and termination

China Construction Bank has the right to cancel or modify relevant rules (including but not limited to participation qualifications, scoring rules, gifts and exchange standards, etc.). ) according to the needs, and through the relevant channels (such as CCB website, statements, text messages, newspapers or branches, etc.) after a certain period of time. ) without notice to the cardholder.

During the announcement of China Construction Bank, cardholders have the right to choose whether to continue to use Longka credit card and related services. If the cardholder is unwilling to accept the announcement of China Construction Bank, he should apply to the Construction Bank for change or termination of related services before the announcement of China Construction Bank takes effect. If the cardholder fails to apply for changing or terminating the relevant services, it shall be deemed that the cardholder agrees to the relevant adjustment, and the changed contents are legally binding on the cardholder. If the cardholder fails to implement the changed contents, China Construction Bank has the right to choose to terminate this service.