Cardholders should exchange according to their actual needs. For example, a bank 1 10,000 credit card points can be exchanged for a thermos cup, and the cardholder just needs a thermos cup, so it is the most cost-effective to exchange them in kind. If it is not based on the above personal needs, it is generally not cost-effective to exchange points for physical objects. For example, the mall will raise the physical price, so that cardholders can exchange points with high value. For another example, cardholders are keen on food and often go out to eat, so they can exchange credit card points for vouchers of cooperative catering merchants. For example, a certain number of credit card points of Bank of Communications can be exchanged for food vouchers including Black Pine and White Deer, Richang, Meizhou Dongpo Restaurant and Quanjude.

Wal-Mart Credit Card of Bank of Communications: 2.5% credit card payment is available on weekdays 128 yuan; Cash back 5% on Friday

2. Participate in activities to maximize the value of points.

If the bank has points exchange preferential activities, it is recommended that cardholders participate in the activities to maximize the value of points. For example, in the "9 Share Redemption" activity of CITIC Bank (60 1998, Share Bar), cardholders can exchange 9 points for over-valued goods, including Starbucks large hand-brewed coffee, Haagen-Dazs ice cream single ball, Pizza Hut 30 yuan credit and so on.