How to exchange credit card points?

How to exchange credit card points in China Bank?

China Bank Credit Card Points Redemption:

Points can be redeemed through personal mobile banking of China Bank, credit card of China Bank, official account of WeChat and colorful life APP.

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

How to exchange credit card points for cash?

Different banks have different ways to exchange credit card points for cash. Taking Guangfa Bank as an example, the steps of converting points into cash are as follows:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.4

Application version: v7.0.6

1. Search to open the website of credit card integral area of Guangfa Bank.

Second, click "Personal Center" at the top of the page to log in.

Third, find the amount you want to exchange in the signing amount.

4. Click "Buy Now" and enter the password.

First, it can be divided into bank cards and non-bank cards according to the different card issuers.

Bank card: This is a credit card issued by the bank. Cardholders can shop at the special merchants of the issuing bank, or withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card: This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

Two, according to the issue of different objects, can be divided into corporate cards and personal cards.

Company card: the company card is issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal person organizations.

Personal card: Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

Three, according to the cardholder's reputation, status and other credit status, can be divided into ordinary cards and gold cards.

Ordinary cards: Ordinary cards are issued to cardholders with average economic strength, reputation and status, and there are no high requirements for them.

Gold card: Gold card is a kind of advanced credit card, which pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

How to exchange credit card points for cash?

SMS tells you that credit card points can be exchanged for 5%-25% cash. Click the link to exchange them. This short message redemption is a known means. It is a short message sent by criminals using pseudo base stations disguised as bank service numbers. The link is not safe, and the purpose is obvious.

1. How to exchange credit card points for cash?

It's actually quite simple. His principle is to convert the cardholder's points into gifts. Then collect the gifts in cash according to a certain proportion of the value, and then concentrate on selling the gifts. And the cardholder gets the corresponding cash in his own hand. This is how to convert credit card points into cash. There are many such platforms. There is already a platform to generate and upload an APP, download the APP directly in the mobile phone application market, and then contact customer service for one-on-one exchange operation. It usually takes 5- 10 minutes to complete the exchange and get the exchanged cash. If the cardholder doesn't have a favorite gift to redeem in the issuing bank APP, you can consider converting points into cash in this way. After all, most banks have a time limit. If it expires, it will never come back. It is also a waste not to use or exchange.

Second, how do credit cards generate points?

There are many commercial service banks all over the country. They sell credit cards. In order to better encourage credit card customers to buy and sell, every bank has formulated credit card points rules and regulations. Credit cards have many ways to earn points, and 80% of the points come from credit card consumption, which means that credit cards will earn points. For example, in China Merchants Cooperative Bank, merchants with points can count as one point when buying and selling 20 yuan. Bank points of infrastructure and industrial and commercial bureau are counted as one point when merchants buy and sell one yuan. The more difficult it is to accumulate scores, the greater the use value of their scores. If the points are not used, they will be cleared when they expire. Many people don't know how to spend the points, or they don't look for the goods they want in the matching credit card integral mall system, so useless points need to be wasted.

Credit card points are very important to individuals. Generally, people who collect credit card points are liars, and they will also make your economy suffer losses. If such a thing happens, we must be vigilant.

How to exchange credit card points for cash?

All major banks do not support the direct exchange of credit card points for cash.

Most of them are virtual objects or objects in integral mall. Of course, if you convert the points into commodities and then sell them through the trading platform, you can naturally convert them into cash. In addition, some banks now support converting points into credit card fees or reducing fees, for example, in the WeChat wallet card binding interface.

You can directly convert the credit card points of Shanghai Pudong Development Bank into reduced deposits with the conversion ratio of 1600 points = 1 yuan, which can be used to offset cash when paying. In addition, the points can also be exchanged for take-away deductions in the Pay APP of Bank of Communications, which can be used as cash to some extent.

Extended data:

Credit card points are introduced as follows:

You can download the credit card apps of various banks to learn more about the rules of using points, but if you want to convert points into cash and withdraw them into bank cards, the official channels do not support it at present. In the case of decoration, the credit card quota is relatively large, and the credit card points that can be earned are also very rich. Tens of thousands of points can generally be exchanged for goods with a value of 100 to 300.

Besides credit card cash installment, credit card bill installment and cash installment can also be used in combination. All kinds of decoration money should be swiped by credit card as far as possible, and the interest-free period of credit card should be skillfully used to obtain credit card points.