The official account of the Postal Savings Bank credit card WeChat pushed a "points can be exchanged for Starbucks Cup coupons!" This information has attracted the attention of many card friends. Many card friends said that the first reaction to seeing this message was to be happy. Although they exchanged a medium cup, it was better than nothing. When they were happy, they wanted to know whether it was worth it. Let's take a look together.
1. How to exchange credit card points of Postal Savings Bank for Starbucks?
There are three channels for the credit card points of the Postal Savings Bank to be exchanged for Starbucks. One is the official WeChat account exchange, the other is the mobile banking exchange, and the other is the postal credit card APP exchange. The following is a brief introduction to the exchange process of the following three channels:
1, WeChat official account redemption: Pay attention to the credit card WeChat of the Postal Savings Bank, click my account in "Ding ~ Account", click "My Points" after the bill is inquired, click "Please go to WeChat Mall to inquire about redemption points", and find the Starbucks activity entrance on the home page to redeem points.
2. Bank Mobile Banking Redemption: Download the Postal Savings Bank Mobile Banking, click on the "Credit Card" channel, find and click "Points Shopping", then go to the home page to find the Starbucks activity entrance and redeem it with points.
3. Credit Card APP Redemption: Download the Postal Savings Credit Card APP, click "E Mall and Activities" to enter the home page of integral mall, and look for the entrance of Starbucks activities on the home page.
2. Is it cost-effective to exchange credit card points of Postal Savings Bank for Starbucks?
You can also see on the Starbucks redemption page of the Postal Savings Bank that it takes 37,000 points to redeem a medium Starbucks drink.
What is the concept of this 37000 integral? Without considering other preferential activities, according to the credit card points accumulation rules of the Postal Savings Office, 1 yuan = 1 points, this Starbucks cup is equivalent to spending 37,000 yuan to get it, and it is still a medium cup. Most banks' credit cards need to be swiped 15000- 17500 yuan to exchange a large cup of Starbucks coffee, so it is not particularly cost-effective to exchange credit card points of the Postal Savings Bank for Starbucks.
If you insist on changing it, you won't be stopped!
How to exchange postal etc points
Exchange method of postal etc points:
1. Gifts can be exchanged through integral mall, the online bank of Postal Savings Bank;
2. Or enter the credit card micro mall to redeem my points in installments in the official account of WeChat "Postal Savings Bank Credit Card" through credit card WeChat.
Where can I exchange credit card points of Postal Bank?
Credit card users of Postal Savings Bank can call the 24-hour customer service telephone number of Postal Savings Bank Credit Card 400-889-5580, press 5 to enter the points and SMS service, you can check your convertible points, and then transfer them to the labor agent to apply for multi-point gifts.
Tips for redemption of credit card points of Postal Savings Bank;
1. The points of the secondary card of the savings credit card of the Postal Savings Bank are merged into the main card account. Deputy cardholders can't redeem points gifts, and main cardholders need to apply for redemption of points gifts.
2. Postal Savings Bank provides gift exchange for gold card holders of Postal Savings Bank, and eligible cardholders can exchange gifts.
Mobile phone model: Huawei p30；; Mobile phone version: v 12.0 version
1. How long can the postal bank stop paying?
After the credit card of the postal bank is deactivated, it will usually be unfrozen within three days. If it has not been thawed for more than three days, the cardholder can contact the bank staff by phone to ask the reason, or take the bank card and ID card to the bank counter to cancel the bank card payment stop service. Bank card payment generally occurs because there is no transaction for a long time, or the bank card is overdrawn and owes money. You can go to the bank counter to find out the reason and avoid stopping payment again in the future.
2. How much is the postal bank card SMS fee deducted for one month?
The SMS fee for postal bank card needs to be charged in 3 yuan for one month and 36 yuan for one year. The so-called SMS fee can also be called messenger fee, that is, when the balance of bank card account changes, users will know the specific changes of funds through SMS, so that users can know the changes of account funds at any time. But now you can also check your account balance at any time through mobile banking. If you don't need SMS service, you can cancel it at the business outlets of the Postal Bank.
3. Postal savings bank inquiry
(1) Bank client inquires and downloads the corresponding bank mobile client, fills in the reserved mobile phone number and login password of the bank, and can inquire after logging in.
(2) Enquiry in the business hall: I will go to the relevant bank with my ID card to inquire about my bank account information.
(3) Customer Service Inquiry Use the mobile phone number you reserved in the bank to call the customer service of the bank, then turn to manual service, and report the ID number of your card registered at that time to inquire about the bank.
4. What's the interest rate of the Postal Bank?
The deposit rate is 0.3%, the three-month deposit rate is 1.35%, the six-month deposit rate is 1.56%, the one-year deposit rate is 1.78%, the two-year deposit rate is 2.25%, the three-year deposit rate is 2.75%, and the five-year deposit rate is 2.75%.
5. How to check the postal bank?
(1) telephone inquiry. The customer service phone number is 95580. You only need to provide the identity card information and name of the head of the household and the account number of the postal savings bank card, and you can query the bank information.
② Check at the counter of any bank outlet. When you go directly to the counter of the local China Postal Savings Bank for consultation, you usually need to provide ID card information and China Postal Savings Bank card to get specific bank information.
③ Online banking inquiry of China Postal Savings Bank.
How do credit card points of Postal Savings Bank accumulate? How to exchange points for gifts?
Although the Postal Savings Bank has many customers, many people don't know much about it because it is the first time to apply for a Postal Savings Bank credit card. For example, a friend who applied for a postal credit card for the first time asked: How did the credit card points of the Postal Savings Bank accumulate? How to exchange points for gifts? I will answer your question today.
How do credit card points of Postal Savings Bank accumulate?
1. Credit card holders of Postal Savings Bank can accumulate 1 points every time they spend 1 yuan, and the consumption points of the main card and the auxiliary card can be doubled on their birthdays. However, it should be noted that the points of the secondary card are included in the main card.
2. The consumption of real estate and automobile sales industry is not integral, and the consumption of schools, hospitals and public utilities is not integral.
3. Credit card transfer, repayment, cash withdrawal, payment of annual fees and late fees are not included in the points.
How to exchange points for credit cards of Postal Savings Bank?
First, the mall exchange.
You can log in to the points exchange mall of the Postal Savings Bank. After logging in, you can enter the point redemption page, and you can use your points to redeem gifts.
Second, customer service telephone exchange
You can call the customer service hotline of Postal Savings Bank at 95580 or 400-889-5580, and ask the customer service staff to apply for exchanging credit card points for gifts. Or you can redeem yourself according to the voice prompt. After dialing, press "5" key, then press "1" key, then press "2" key, and then enter your credit card, gift number and gift quantity to exchange gifts.
The above is a summary of the calculation rules of credit card points of Postal Savings Bank, and the method of exchanging points for gifts. Friends who want to know what their points are and want to redeem them can refer to the above summary.
How to exchange credit card points of Postal Savings Bank?
1. Use the computer: macbookpromos 14 to open the Google version (92.0.45 15). Log in to the credit card points redemption website of China Postal Bank: after logging in, enter your user name, password and other information in the personal online bank of Postal Savings Bank, enter the points redemption page, select your favorite gifts according to your points, and then directly redeem them or put them in the shopping cart; 2. Call the credit card customer service hotline for redemption: The hotline of the Postal Savings Bank has opened a self-service voice system, and you can press the number button according to your personal needs through voice prompts to make redemption choices. Postal savings bank credit card points calculation rules: 1. Points are valid within the validity period of the main credit card and remain in the main credit card account until the account is cancelled. 2. When the cardholder uses the credit card for credit card consumption and merchant installment, the single sum of 1 yuan will get 1 points, and the part less than 1 yuan will be rounded off. The accumulated points can be used to redeem gifts, gift certificates or related value-added services. 3. If you use the credit card of Postal Savings Bank to make a single consumption, the points generated by the transaction amount will take effect on the day after the transaction input date. On the birthday of the gold card holder, the consumption points of the main card and the auxiliary card will double. 5. The consumption of the main card and the auxiliary card is accumulated points, and the points of the auxiliary card are merged into the main card account. 6. If the original transaction amount is reduced due to consumer returns or disputes, the Postal Savings Bank will reduce the corresponding points accordingly. 7. The following consumption does not accumulate points: real estate, automobile sales, wholesale, schools, withholding, tobacco settlement, insurance, hospital health care, logistics warehousing and public utilities. Please refer to the attachment for details. 8. The following transactions do not accumulate points: cash advance, repayment, recovery of overpayment, transfer, pre-authorization, manual account adjustment, return of goods, disputed transactions, online payment, annual credit card fee, revolving credit interest, handling fee and interest of cash advance, expenses arising from overdue payment (such as liquidated damages and interest) and other handling fees agreed in the collection contract.
How to exchange postal points for goods?
The exchange method is as follows:
1. First log in to the browser on the computer, then enter "China Postal Savings Bank integral mall", and then select the location indicated by the red arrow in the list to enter.
2. Next, log in to your postal credit card account in the page.
3. Next, select "integral mall" at the place indicated by the red arrow.
4. Then select the goods to be redeemed, and click "Redeem Now" at the arrow.
integral rule
The first is the bonus points.
(1) During your card-holding period, you can earn 1 points according to the transaction amount of 1 yuan, and the part less than 1 yuan will be rounded down, and the points will be recorded and take effect within T+2 days after the transaction entry date.
The accumulated points can be used for redeeming points goods, gift certificates or related value-added services. The supplementary card does not accumulate points separately, and the points obtained will be automatically merged into its main card account.
(2) Your consumption on MasterCard network and VISA network has points, but the following consumption on UnionPay network does not accumulate points: real estate, automobile sales, wholesale, school, withholding, tobacco settlement, insurance, hospital health care, logistics and warehousing, and public utilities.
All card products do not accumulate points in the following transactions: cash advance, repayment, recovery of overpayment, transfer, pre-authorization, manual account adjustment, return of goods, disputed transactions, online payment (excluding online express payment), annual credit card fee, revolving credit interest, handling fee and interest of cash advance, expenses arising from overdue payment (such as liquidated damages and interest) and other handling fees agreed in the receiving contract.
(3) Special provisions for card products
1. Cardholders of gold-level master cards and supplementary cards double their spending points on their birthdays.
2. Platinum-level main card and supplementary card holders can get double points for spending in the birthday month, and double points for each installment of bill installment, transaction installment and cash installment, and the points will be deducted when the installment is cancelled.
3. Youth-themed credit cards and relaxed bear-themed credit cards can get double points for online fast consumption. Please visit the website for details.
4. Other credit cards (excluding Zhongyuan Food Card, Sharing Card and Jinye Card) will get double points for online fast consumption. For more information about online express merchants, please refer to the credit card points reward rules of China Postal Savings Bank.
5. The codes of Zhongyuan Food Card are 544 1, 545 1, 581,581,5865438+5865438.
6. Hebei Post Edge Co-branded Card can get double points reward by swiping the card at the designated co-branded card merchant. For the list of merchants, please refer to the Detailed Rules for Credit Card Points Award of China Postal Savings Bank.
7. When the credit card growth card and Hongyun card are automatically distributed in installments, the points will be doubled.
8. Share cards and gold leaf cards have no points for all transactions.
9. Qin Hui, Xinjiang Capka can get triple points for each installment of bill installment, transaction installment and cash installment, which will be deducted when the installment is cancelled.
10.IC card electronic cash account consumption has no points.
1 1. For the special provisions of China Resources Co-branded Card, please refer to the Credit Card Points Award Rules of China Postal Savings Bank.
Second, the integral query
Your bill will show the new points and accumulated total points for this month. You can also check your points by calling our credit card customer service hotline, logging in to online banking, "Postal Savings Credit Card" APP or mobile banking.
Third, the integral automatic summary
Points are stored in the cardholder's name. When a cardholder holds more than one credit card, the points of each card are calculated according to the product rules of each card and stored in the cardholder's name. After one or more master cards are cancelled, the points of the original cards will not be affected. When the cardholder cancels his account and there is no other credit card master card in the Postal Savings Bank, the points in his name will be invalid.
Fourth, the validity period of the integral.
(1) Puka and Gold Card products: points generated by customers' consumption and installment, and points recorded before 0: 00 on February 1 year 202 are permanently valid. From 0: 00 on February 0, 20265438 +0: 00 on February 0, 20265438, the validity period of new points is 60 months according to the month of production.
(2) The validity period of the points generated by consuming the installment platinum card products is permanent.
This is the end of the introduction of the use of credit cards integral mall and integral mall of Postal Savings Bank. Did you find the information you needed?