China bank card credit card points accumulation rules:
1. By cumulative product classification:
(1) Accumulate 1 points for every 1 yuan spent on BOC series credit cards and Great Wall series credit cards (except BOC Credit Card of Air China Companion);
(2) Platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards and Great Wall World Pole credit cards will spend RMB 1 point in China (excluding Hong Kong, Macao and Taiwan), and double points in other countries and regions.
(3) The Great Wall American Express Private Bank Credit Card has accumulated 2 points for every 1 yuan spent in China and other countries and regions.
(4) Accumulate 1 .5 points for every RMB 1 yuan spent by Air China Yin Zhi Bank of China Credit Card (where1points will be automatically converted into Air China miles as the "Future Wan Li" plan, and 0.5 points will be accumulated in my trading points account).
(5) If you spend 1 yuan at any gas station in China (refueling merchants with MCC of 5 172, 554 1 5542), you can get 0.5 points.
(6) Accumulated 25 yuan RMB 1 point per consumption of Great Wall Enterprise Business Card; Financial business card and Great Wall unit card cost 1 RMB +0 points.
(7) For every RMB 1.5 yuan spent by Platinum Card of China Mobile Credit Card in China (excluding Hong Kong, Macao and Taiwan), the accumulated points are 1.5, and the points of other countries and regions are doubled.
(8) All credit cards (such as airline co-branded cards and Ctrip co-branded cards). ) With automatic point redemption function, it will automatically convert its consumption points (unless otherwise specified) into products or services (such as air miles, Ctrip gift cards, etc.). ) the corresponding cooperative institutions, the redemption ratio shall be subject to the joint card rules; Its marketing points will not be automatically redeemed, but cardholders can actively redeem them through BOC points redemption channels, and the redemption rules shall be subject to the publicity of points redemption channels.
The above credit card spending is insufficient 1 yuan, and the transaction points will not be accumulated.
2. Cumulative classification by foreign currency:
For credit cards in (1) USD currency, the total consumption of ordinary cards, gold cards and titanium cards is 1 USD, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 14 USD.
(2) For credit cards in yen currency, the total consumption of ordinary cards, gold cards and titanium cards is 14 yen, while the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 14 yen.
(3) For credit cards in euro currency, the total consumption of ordinary cards, gold cards and titanium cards is 1 euro, while the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is1euro.
(4) For credit cards in sterling currency, the total consumption of ordinary cards, gold cards and titanium cards is 1, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 1, with points of 20.
(5) For credit cards in Australian dollar currency, the total consumption of ordinary cards, gold cards and titanium cards is 1 Australian dollar, while the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is1Australian dollar.
(6) Hong Kong dollar credit cards, the total consumption of ordinary cards, gold cards and titanium cards is HK$ 65,438+0, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is HK$ 65,438+0.
(7) The consumption of the official card of Great Wall Enterprise is USD 3 1 point.
3. Cumulative rules for installment payment business:
When the installment transaction of BOC (Great Wall) series credit cards is deducted from the account, points will be generated according to the recorded installment amount, and the accumulated points will be 1 minute per RMB; If the customer applies for one-time repayment in advance, points will be generated according to the recorded one-time repayment amount.
4. The following items will not accumulate trading points:
(1) Various interest and handling fees stipulated in the credit card articles of association or contract of China Bank, including but not limited to annual credit card fees, cash withdrawal fees, overdraft interest, liquidated damages and other credit card fees;
(2) Credit card transfer, cash withdrawal, deposit (repayment), withholding, agency payment, credit balance return and manual bill pressing transactions;
(3) online banking and telephone banking payment;
(4) Low or zero discount rate and special types of merchant consumption, including but not limited to real estate, automobile sales, wholesale transactions, public hospitals, public schools, junior high schools, government services, charitable undertakings, non-profit undertakings and other industries, as well as financial and government payment transactions (such as insurance, fines, investment, bail, taxes, etc.). ), the above information will be subject to UnionPay.
(5) The acquiring institution has set up a white list of special charging marks, preferential categories, relief categories or non-standard charging according to the relevant norms of China UnionPay and other relevant institutions;
(6) Credit card consumption of merchants in third-party payment platforms;
(7) Merchant consumption for which MCC code of merchant category is not included in China UnionPay merchant category code;
(8) Consuming UnionPay brand credit cards through domestic online transactions;
5. Other rules of integral accumulation:
(1) Credit limit for consumer transactions during the billing period: for cards with a credit limit exceeding 5,000 yuan, the credit limit is capped at 300%, that is, domestic consumer transactions with a cumulative credit limit exceeding 300% during the billing period will not accumulate points; For cards with a limit of less than or equal to 5,000 yuan or zero, the accumulated points of domestic consumption transactions during the billing period will reach 1.5 million.
(2) If the goods or services purchased by credit card are returned for any reason, or the money is returned due to signing disputes or other reasons, China Bank will deduct the accumulated trading points at that time.
(3) Participate in the integral marketing activities carried out by China Bank from time to time. During the marketing activities, those who meet the activity rules and meet the conditions of point accumulation shall accumulate points according to the amount specified in the activity rules.
The above contents are for your reference. Please refer to the actual business regulations.
How to score points for BOC credit cards?
China Bank Credit Card Points Calculation Rules:
1, BOC Credit Card, Great Wall Credit Card, Puka, Gold Card and Titanium Card can accumulate "BOC Points 365" bank card consumption points 1 minute for every consumption of RMB (except BOC Credit Card of Air China Zhiyin).
2. For credit cards with platinum level and above in China (excluding Hong Kong, Macao and Taiwan), for every RMB 65,438 spent in 0 yuan, the accumulated "BOC points 365"1points, and for every RMB 65,438 spent in other countries and regions, the accumulated "BOC points 365" 2 points. Among them, Great Wall American Express Private Bank Credit Card spent every 1 yuan in China and other countries and regions, and accumulated 2 points of "BOC points 365".
3. For all credit cards (such as airline co-branded cards) with automatic point redemption function, their bank card consumption points (unless otherwise specified) will be automatically converted into products or services (such as air miles). ) the corresponding cooperative institutions, the redemption ratio shall be subject to the joint card rules; Its marketing points will not be automatically redeemed, but cardholders can voluntarily redeem them through the points redemption channel of China Bank, and the redemption rules shall be subject to the publicity of the points redemption channel.
4. For credit cards in USD currency, the product consumption of ordinary cards, gold cards and titanium cards is 1 USD, with a total of 7 "BOC points 365" bank card consumption points, and the consumption of credit cards with platinum level or above is 1 USD, with a total of 14 "BOC points 365" bank card consumption points.
5. For credit cards in yen currency, the consumption of ordinary cards, gold cards and titanium cards is 14 yen, and the accumulated "BOC points 365" bank card consumption points 1 minute, and the consumption of credit cards above platinum level is 14 yen, and the accumulated "BOC points 365" bank card consumption points are 2 points.
6. For credit cards in euro currency, the product cost of ordinary cards, gold cards and titanium cards 1 euro accumulated 7 points of "BOC points 365" bank card consumption points, and the credit card cost of platinum level and above 1 euro accumulated 14 points of "BOC points 365" bank card consumption points.
7. GBP credit card, product consumption of ordinary card, gold card and titanium card 1, accumulated "BOC points 365" bank card consumption points 1, credit card consumption above platinum level1,accumulated "BOC points 365" bank card consumption points 20.
8. Australian dollar credit card, ordinary card, gold card and titanium card product consumption 1, accumulated 5 points of "BOC 365" bank card consumption points, credit card consumption above platinum level 1, accumulated 10 points of "BOC 365" bank card consumption points.
9. For credit cards in Hong Kong dollars, ordinary cards, gold cards and titanium cards cost 1 Hong Kong dollars, and accumulated "BOC points 365" bank card consumption points 1 Hong Kong dollars, and platinum-level or above credit cards cost 2 Hong Kong dollars.
10. If you spend $3 with the Great Wall Enterprise Business Card, you will accumulate "BOC points 365" bank card consumption points 1 minute.
1 1. Credit limit for consumer transactions during the billing period: credit with a credit line of more than 5,000 yuan will be capped at 300% of the credit line, that is, domestic consumer transactions that have accumulated more than 300% of the credit line during the billing period will not accumulate "BOC Points 365" credit card consumption points; For cards with a limit of less than or equal to 5,000 yuan or zero, during the billing period, the accumulated "BOC points 365" credit card consumption points reached 1.5 million.
12. If the goods or services purchased by credit card are returned for any reason, or the money is returned due to signing disputes or other reasons, Bank of China will deduct the accumulated "BOC Points 365" bank card consumption points at that time.
Tips: The specific points accumulation rules of each credit card shall be subject to the publicity of product rights and interests; If the credit card spending is less than 1 yuan, the "BOC points 365" bank card spending points will not be accumulated.
The above contents are for your reference. Please refer to the actual business regulations.
What are the credit card points rules of CCB?
Credit card holders can accumulate the comprehensive points of individual customers when spending by swiping their cards (except for transactions or merchants designated by China Construction Bank that do not accumulate points).
1. The comprehensive points of individual customers are as follows: the cardholder uses the dragon card, and according to the recorded amount, each consumption is RMB 1 yuan product 1 points (using Shanghai Volkswagen Dragon Card, RMB 166 product 1 points), and each consumption is USD/kloc-.
2. Generally, the credit card consumption points of the cardholder will be credited to the customer's comprehensive points account within three working days after the consumption is recorded. Under special circumstances, the actual posting time shall prevail;
3. The points obtained by the supplementary cardholder will be automatically merged into the comprehensive points of the individual customers of the main card to which they belong. Credit card points can only be redeemed by the main cardholder himself, and supplementary cards cannot directly participate in point redemption;
4.2065438+65438 2007+6543810 +0, the integral is valid for up to five years (calculated by natural year, including the year of accumulated integral) and cannot be recovered. The accumulated points before 20 16 12 3 1 (inclusive) are permanently valid;
5. Where the goods or services purchased by credit card are returned, or the money is returned due to the purchase order dispute, or for other reasons, CCB will deduct the points obtained from the transaction;
6. Cardholders can accumulate points by swiping their cards in hotels, restaurants, entertainment, department stores and other retail stores, as well as by mail order installment and merchant installment through the credit card center of China Construction Bank.
Details of the integral rules can be viewed through integral mall.
(In case of business changes, please refer to the actual situation. )
How to calculate credit card points?
Validity rules of credit card points:
1. Except Platinum Credit Card, Unlimited Credit Card, Great Wall Diamond Credit Card, Great Wall World Credit Card, Great Wall American Express Private Bank Credit Card and National Fitness Card, the cumulative period is one year (from July 1 day to June 29th of the following year), and the cumulative period is at least two years. The cumulative period is June 30th, 24 months later. (For example, the points generated from July 20 17 to June 29, 20 18 will expire on June 30, 2020).
2. The consumption points of Platinum Credit Card, Unlimited Credit Card, Great Wall Diamond Credit Card, Great Wall World Pole Credit Card and Great Wall American Express Private Bank Credit Card are valid for a long time, and the consumption points of National Fitness Card are valid for five years.
3. For the integral marketing activities carried out by Bank of China, the validity period of marketing points given to customers who meet the conditions of the activities shall be subject to the release of the marketing activities.
4. When the credit card holder cancels the card, the transaction points of the card will be cancelled and cleared at the same time. It does not support the adjustment of points between credit cards, nor does it support the integration or adjustment of points between different customers.
The above contents are for your reference. Please refer to the actual business regulations.
The above contents are for your reference. Please refer to the actual business regulations.
How to calculate points for CCB credit cards?
Cardholders can accumulate points by using China Construction Bank Longka Credit Card (except for transactions or merchants designated by China Construction Bank that do not accumulate points), including comprehensive points and special points.
1. The comprehensive score is 1 minute (rounded to the nearest integer according to the transaction amount) for each RMB 1 yuan product consumed by the cardholder when using the Longka credit card; 65,438 yuan +0 points per consumption; Spend 1 euro with the European Travel Card and get 9 points. Special points refer to the product rights services of some credit cards (such as car cards and airline co-branded cards), which provide points accumulation and points redemption according to specific product rights rules. For every RMB 65,438+066 (or equivalent foreign currency) spent by Shanghai Volkswagen Dragon Card, the accumulated points are 65,438+0 (calculated as integral multiples of the points).
2. 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. The validity period of the points is five years at the longest (calculated by calendar year, including the year of accumulated points), and the accumulated points are from June 65438+ 10/to June 65438+February 3 1 (namely "the first year") in the fifth year. The accumulated points before 20 16 12 3 1 (inclusive) are permanently valid.
Example: the accumulated points between 201710/0, 0, 65438-12, 3 1 will expire on 202 1 2, 3 1, and the remaining points will be cleared automatically.
(In case of business changes, please refer to the actual situation. )
How to quickly accumulate credit card points? 5 tips to make your score fly.
Credit card consumption can accumulate points, which can be exchanged for shopping mall gifts, credit card payment, air miles, platinum card annual fees and so on. Credit points are widely used, but they are not easy to accumulate. Here, I'll teach you five tips to quickly accumulate points and make your points fly ~ ~
1, more credit cards in birthday month.
Although different banks have different points policies, they all give cardholders multiple points within one birthday month, and cardholders can enjoy multiple points accumulation by swiping their cards in the birthday month.
For example, China Merchants Bank's YOUNG Card, GQ Co-branded Card, Sina Weibo Daren Credit Card and ONEPIEC Navigation King Fan Card can earn 2 times points by swiping the card in the birthday month.
Industrial Bank's birthday is 2 times, and the standard platinum card is 4 times.
2. Participate in giving away bank points.
Many banks have preferential activities to give away points. Participate in activities, and you can get corresponding points if you meet the conditions.
For example, China Merchants Bank has an activity of sending credit card bills in installments every month, which can at least give 1000 credit card points.
Every holiday, Industrial Bank will also have corresponding points giving activities, such as giving 25 times points for Christmas consumption and so on.
3, many people credit card points together
It is also a truth that "one person does not vigorously collect firewood, and everyone collects firewood with high flame". One person accumulates credit card points much less quickly than several people put together.
Therefore, if you want to accumulate points quickly, you can apply for one or several supplementary cards for your family. Because all the points of the secondary card are merged into the account of the main card holder, and the whole family swipes the card together, the speed of accumulation of points is naturally leveraged.
4. Buy your bill and accumulate my points.
In addition to accumulating points by swiping your own card, you can also help your friends pay for cash and points.
For example, if you are shopping with a friend in the mall, and his friend likes a dress and wants to pay in cash, you can discuss with him, and you can help him swipe his credit card to settle the bill, and then he will give you the cash.
As long as you brush a pos machine that consumes points, you can earn points in this way.
So much for the introduction of credit card points.