how to use credit card points?

After spending by credit card, certain points will be generated. Many people will ask what these points are for. How to use it? In fact, these points can generally be used to exchange gifts. Of course, different types of credit cards are used in different ways. Let me take the Bank of Communications credit card as an example to introduce the use of points.

1

Today is the era of mobile Internet. Every bank's credit card basically has a corresponding APP. For example, the credit card APP corresponding to Bank of Communications is called "Pay the bill", as shown in the following figure ...

2

Click to open the APP, and then log in with the bound account of Bank of Communications. We will see the item of "integral food" in the upper left corner of the home page. Click it to enjoy certain discounts with points.

3

But more integral activities are not here yet. Let's click on "Card Life", first of all, we will find out what our current integral is, and then we can see our current integral by clicking on "Integral Inquiry" on the page, as shown in Figure 2 ...

4

At the bottom of the integral inquiry page, we can see all integral activities, such as eating a big meal with integral, watching movies with integral and spending integral as money.

what can CCB credit card points do?

CCB's comprehensive points can be redeemed for gifts in integral mall, cashed in when some goods are purchased by Shanrong Business, and cashed in when some merchants consume. Redemption of points in integral mall (not exceeding the accumulated annual limit) can be made through integral mall, mobile banking and WeChat WeChat official account.

1. wechat application: you can link to integral mall through wechat WeChat official account "longka credit card"-"my site"-"point redemption", and you can complete the application through simple steps such as selecting goods, filling in receiving information and confirming orders.

2. application for mobile banking: log in to mobile banking and search for "redemption of points".

(in case of business changes, please take the actual situation as the standard. )

How to use credit card points

As credit cards become easier to handle and more and more people use credit cards, they will earn points when they spend money. In short, credit card points are a reward for banks to use credit cards, but most people have never used them until they are emptied. In fact, points are money, and points can be used to exchange gifts, mileage and handling fees. Why not use the benefits given for nothing?

how to use credit card points reasonably

1. Points payment

Nowadays, many banks have opened payment functions, such as telephone charges, broadband, utilities, etc., which can be paid through the bank's mobile APP, and some cash can be offset by points. The annual fee can also be deducted by points.

2. Converting the voyage

Converting the flight mileage is very cost-effective for people who often need to travel by air. Convertible air mileage points can be used for air tickets and gifts in airline mall centers.

third, the points drawn in the lottery

The points drawn can be used in the lottery. For example, the points of China Merchants Bank can draw the latest electronic products, and the points of Industrial Bank can draw gifts such as smart phones and air purifiers, which are of great value.

4. Redeem gifts

After you have accumulated a certain amount of points, you can redeem beautiful gifts, but generally speaking, the points required for good things that can be redeemed are relatively high. If you don't have many points, it is also good to redeem some small gifts.

how to earn points with credit card points

swipe your card during activities such as "double points", "point giving" and "credit card lottery" in banking activities, so as to double the points. For example, if there is a bank credit card in the cardholder's birthday month, you can enjoy 4 times bonus points by swiping the card.

Choose points for cards skillfully

1. Choose a credit card with permanent and valid points

If a bank credit card can't provide low-value and high-value product exchange or long-term and effective points, it can't achieve real value and return for consumers.

2. Choose a credit card with a goal

Banks have different types of credit cards, and users can choose the card that suits them. For example, if consumers want to earn some oil money, they can choose the CCB Longka car card, and their points can be used to refuel at gas stations; A number of banks have bought some airline co-branded cards. The consumption points of such credit cards can be exchanged for ordinary goods and mileage of corresponding airlines. For frequent business travelers, you can choose such cards. Note which type you need more, and then combine the points rules of this card to spend, so as to make more effective use of the points.

It's more cost-effective to use points online

Consumers will generate corresponding points (usually 1 point for 1 yuan) after spending by credit card. When the points accumulate to a certain extent, they can exchange the corresponding gifts on the designated website, which is the most traditional point exchange method. With more and more credit card points playing methods, cash-in, changing Starbucks, changing insurance, changing annual fees, doing public welfare, etc., are constantly injecting fresh playing methods for cardholders. For example, 15, points of Bank of China can be exchanged for a Starbucks hand-made drink, and one can be exchanged for one free on weekends, which makes many cardholders earn small benefits by virtue of points.

so much for the introduction of how to use credit card redemption points.