How to exchange credit card points?

How to exchange credit card points of Agricultural Bank of China?

Hello, please redeem points through the following channels:

1. Zhangyin: Please log in to Zhangyin APP and click "Home → Credit Card → Points → Redeem Now".

2. Online Banking: Please log in to personal online banking and click "Credit Card → Points → Redemption".

3. Credit card WeChat: Please pay attention to the official account of "Agricultural Bank Credit Card" WeChat, and click "Rights/Notes → My Points → Point Redemption" at the bottom of the page to apply for point redemption.

4. SMS: Please use the mobile phone number reserved in the credit card system of Agricultural Bank of China to send the SMS "Last four digits of CCJFDH# # Gift number (4 digits) # Redemption quantity (2 digits)" to 1069095599 to submit an application for redemption of points.

5. Customer service hotline: Please call the credit card customer service hotline 4006695599 to apply for points redemption.

6. Designated merchants: Please go to our point consumption cooperative merchants and redeem points through POS machines (please visit the credit card page of our website for the list of point consumption cooperative merchants).

(Answer time: 202165438+February 20th. In case of business change, please refer to the actual situation. )

How to exchange credit card points of China Bank for products?

Points can be redeemed through China Bank's mobile banking, "China Bank Credit Card" WeChat official account, colorful life APP, online banking, China Bank's points 365 website () and other channels. Credit card transaction points can be used to exchange all kinds of physical gifts, non-physical gifts, value-added services, financial services, charitable donations and so on. , you can also cash out through offline designated merchants.

The above contents are for your reference. Please refer to the actual business regulations.

How to exchange credit card points?

Credit card points can be redeemed in the following ways:

(1) Apply for redemption of gifts provided by credit card integral mall through bank official website, self-service voice phone and SMS.

(2) Credit points are used to offset part of the amount when the cooperative merchants of the Bank swipe their cards offline.

(3) Call the bank credit card customer service hotline to apply for points redemption.

(4) Bank outlet exchange.

When you use points to exchange goods online, you must fill in the exact address to avoid sending them wrong.

How to exchange credit card points is the most cost-effective?

1. Try to exchange virtual items.

Although most banks can offer a variety of credit card points redemption, cardholders should choose virtual goods for redemption, such as mobile phone recharge cards, supermarket shopping cards or gas cards, rather than physical goods for redemption.

After cardholders use credit card points to exchange physical goods, in addition to spending points, some banks will also require cardholders to pay freight, which will generate additional costs. According to the survey, many cardholders reported that the bank's physical delivery speed was slow, and some people even received the exchanged goods one month later.

In addition, if there are quality problems in the exchange of goods, banks are usually not responsible for after-sales, and generally need cardholders to negotiate with the merchants who provide goods. However, cardholders use credit card points to exchange goods, and most banks cannot provide invoices, which makes it difficult for cardholders to return goods.

2. Try to exchange high-value goods.

There will be many kinds of goods on the website when the bank points are exchanged. Although there is little difference in the value of goods that can be exchanged for the same points, there will be differences in the prices of goods that can be exchanged for the same points. If you are hesitant about several items, you may wish to check the prices of these items on the shopping website first, and try to choose the goods with high prices.

3. Try not to change the goods that need to be increased.

There are many products with points, except credit card points, which require cardholders to add some cash to exchange. However, the point redemption product map is free. Unless you like a product very much and check the original price of the product online, you really think it is appropriate to exchange it, otherwise try not to add money to exchange it.

How to redeem credit card points for gifts?

Customers who want to convert their accumulated credit card points into gifts can purchase goods directly at the integral mall of the issuing bank's online banking/mobile banking client/credit card APP. When paying, you can pay by points or by points in cash. In addition, customers can also call the customer service of the issuing bank to ask which gifts can be redeemed. After applying for exchange, the bank will send the gift to the customer. Some banks can also let customers exchange money by sending instruction messages.

Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Second, according to the relevant laws of our country (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards), credit cards refer to electronic payment cards issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, The Standard of English Translation and Writing in Public Service Field was formally implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Four. app; application

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Five, the application method is generally by filling in the credit card application form, the contents of the application form generally include the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

Six, the application form is attached with a credit card contract, and the applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit a statement of the authenticity of the information and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

How to exchange credit card points for cash?

How to convert credit card points into cash is as follows:

1. Redemption through the website: firstly, you need to log in to online banking of China CITIC Bank, and then click to enter integral mall. In the mall, you can see the display of points, select the goods to be exchanged, submit the order, set the items to be exchanged, and you can successfully exchange them.

2. SMS redemption: send the SMS registered by CITIC Bank to106980095558: "Cr redeems the last four digits of the code card" (note that the rights and interests with member information such as flight mileage cannot be redeemed by SMS).

3. WeChat redemption: First, you need to log in to the WeChat account of CITIC Credit Card, and then select "My Account"-"Points Redemption" to redeem points according to your actual needs.

4. Mobile phone redemption: First, you need to log in to the "Mobile Phone Card Space" app of CITIC Credit Card, and then click "Friends Fish Points" on the home page to select the goods to be redeemed.

This concludes the introduction of how to redeem credit card points and how to redeem items. I wonder if you have found the information you need?