What are the uses of credit card points? Credit card points can be used for the following purposes: 1. Redeem for gifts.
You can go to the bank's official website of your credit card to look for credit card points options, and you can see the gifts that the points can be redeemed for.
In addition to physical objects, there will also be some products, experiences, and the like.
2. Points can be redeemed for gifts in the mall. You can go to the mall to redeem gifts.
Points can be used to redeem goods or deduct a certain amount at bank partner merchants.
Merchants such as Starbucks often have such credit card point redemption activities.
3. Points can be used to change oil. For example, CCB Long Card car card points can be used to change oil. It is a type of CCB credit card oil card. Car card points are generally redeemed for oil.
The car owner's card may also be redeemed for oil or tolls.
4. Redeem air miles.
Points from some credit cards can be directly exchanged for airline miles, and the miles converted from points can be used when you go on a business trip or travel.
5. Some credit card points can also be directly redeemed for annual fee reductions.
Extended information: 1. How to obtain credit card points. The redemption amount of credit card points is different for each bank. For example, Agricultural Bank of China will redeem 1 point for 1 yuan spent, and 8 points for 1 US dollar spent; China Merchants Bank will redeem 20 yuan for purchases.
Redemption of 1 point will not be deducted if the amount is less than 20 yuan; it should be noted that the points may be different for different credit card types.
If users want to get more points, cardholders can usually use credit cards for consumption. It should be noted that when the credit card is bound to a third-party payment for online payment, many banks will not generate points. However, many co-branded cards launched
There are points available.
Note: Points will not be generated for transactions involving real estate, cars, wholesale, hospitals, schools, etc.
2. Credit card points can be earned by swiping your card for consumption and participating in bank activities.
1. Swipe your card more and spend more. Swiping your credit card multiple times can help optimize your points.
2. Participate in banking activities.
Some banks launch activities to accelerate the accumulation of credit card points at the end of the year, and cardholders can take the opportunity to increase their points.
Various banks will launch credit card "double points", "points gifts", "card swiping draws" and other activities from time to time.
For example: During the GF Sharing Day, the GF Credit Card Center launched the “Golden Egg Smashing” activity to earn points.
Cardholders who successfully recommend relatives and friends to participate in the activity can get the opportunity to smash golden eggs, and the more people they refer, the more points or miles they can earn from golden eggs, and they can get up to 200,000 GF points, 100,000 Ctrip points or 8,000 miles.
At the same time, cardholders can also enjoy the points or mileage rewards that the recommended person received from their purchases in the first two months.
Points generated by credit card consumption will be credited to the points account. However, if the consumption that generated points is cancelled, the points generated will also be deducted accordingly. This is something everyone needs to pay attention to.
3. Credit card points generally have a validity period. Cardholders need to use credit card points within the validity period, otherwise the credit card points will become invalid. Credit card points can be redeemed in the points mall. If the points are insufficient, you can purchase them by adding points to money. In this way, users
You can buy the products you like.
How to use credit card points?
How to use it cost-effectively?
Many cardholders may pay more attention to when to repay their credit cards. The accumulated points may expire accidentally, or they may miss the promotions for redeeming points. Here are some tips to use your points where they are most valuable.
Small points go a long way!
The first trick: use points to draw a lottery. Many banks and credit card centers have point draws.
For example, with a China Merchants Bank credit card, you can participate in the drawing of iPad Mini with 9 points. Although the probability of winning is low, if you win, these 9 points will be well spent!
Cardholders who want to participate can directly log in to the China Merchants Bank Mobile Life APP and click on the relevant interface to participate in the lottery.
The second tip: Exchange points for airline miles. If you want to give full play to the value of points, it is better to exchange them for airline miles instead of exchanging them for trivial gifts.
For flyers or cardholders with travel plans, it is definitely more practical to exchange points for a ticket worth a thousand yuan than to exchange for a pot.
The third trick: Use points to offset the annual fee. For cardholders who hold platinum cards, the annual fee of thousands of yuan every year is really a bit "painful".
In order to make platinum card users more comfortable and happy, some banks such as China Everbright Bank and China Merchants Bank have specially launched activities for platinum card customers to use points to offset annual fees.
If a cardholder has a large number of points but doesn’t know how to use them, they can use them to offset the annual fee, which not only saves money but also fully utilizes the value of the points. It can be said to kill two birds with one stone.