How to exchange credit card points of ICBC?

How to exchange credit card points of ICBC?

Icbc credit card points can be redeemed by directly logging into ICBC mobile APP or ICBC e-life. After clicking on the redemption of points, you can choose the corresponding gift or pay the reduction through WeChat.

How to convert industrial and commercial credit card points into cash

1 users log on to ICBC online banking, enter the ICBC e-purchase page, and find the goods they need. Some goods are marked with the words "points are exchanged for cash", and some cash can be deducted directly with points at settlement.

2 Users log in to ICBC E Life, and select "Credits to Credit Card Repayment" on the homepage, and 734 credits can be exchanged for 1 yuan credit card repayment. After the page jumps, they can directly input credit card repayment and redemption points.

1. Credit card installment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays according to the monthly recorded amount. In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

2. Credit card overdue repayment means that when the actual repayment amount of the credit card is lower than the minimum repayment amount on the due repayment date of the credit card, the cardholder needs to pay a late fee for the unpaid part of the minimum repayment amount, which is generally 5% of the unpaid part of the minimum repayment amount. However, due to different banking policies, the minimum amount setting is not the same. Therefore, cardholders who have a large overdraft during the Spring Festival holiday must keep in mind the last repayment date after receiving the bill and try to pay off all the expenses before the due repayment date. If you really can't afford it, apply for installment repayment as soon as possible or adopt the minimum repayment method to avoid being deducted by the bank.

3. If your card has not expired when you cancel your credit card account, some banks stipulate that you need to handle the card collection business at the designated outlets, and go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder makes a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, so that the bank will carry out liquidation; On the other hand, if the cardholder spends or withdraws cash abroad, it may take several days to settle. If the account is cancelled immediately, it will also affect the normal liquidation of the bank.

How to exchange credit card points of ICBC?

Please log in to mobile banking, select the "Life (Huixuan)-Points" function, and use personal comprehensive points to exchange goods. Please refer to the regulations and display of each region for the specific exchange situation.

(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation. )

How to exchange ICBC points?

First of all, you can log on to the official website of ICBC, integral mall, "Rong E-Purchase", click on the goods to be redeemed, and then check "Redeem goods with points" when you pay later.

The specific exchange method is as follows:

1. Open the official website of China Industrial and Commercial Bank, and click the E-Purchase button above to enter integral mall.

2. After entering integral mall, click on the item to be redeemed, and then click the Buy Now button below.

3. The page jumps to the order confirmation interface to add the delivery address.

4. Check the button "Use Integral Cash" in the payment method at the bottom of the page, and then click the button "Submit Order" to see the points that have been consumed.

5. At this point, the page will jump to show that the redeemed order has been successfully redeemed.

Second, ICBC official website Stock Exchange. A. Log in to personal online banking of China Industrial and Commercial Bank; Computer: macbookpromos 14 open Google version 92.0.4515.131v.

B. Select Credit Card-Business Processing-Points Redemption-Login to Account-Select Gift-Redeem Now; C. Select the gift and quantity to be exchanged, and fill in the mailing address. Three. Icbc business outlets exchange.

Cardholders can exchange bank cards and identity documents directly at ICBC outlets. Fourth, industrial and commercial customer service hotline intercommunication.

The cardholder calls China Industrial and Commercial Bank 95588, selects manual service according to the prompt, and the customer service staff helps to redeem credit card points. ICBC credit card points can be exchanged for many things, such as gifts, mileage, phone bills, etc. In short, it is quite cost-effective. If the points reach a certain amount, you can choose what you want to exchange. What you need to know here is that you must apply for a credit card according to your actual situation. Don't apply just because the credit card discount is too high. There is an annual fee for credit cards. If you don't have any ability, don't apply easily. Brush points on the POS machine designated by ICBC to exchange goods, vouchers or deduct a certain percentage of consumption. Details of the activities can be found in the "preferential activities" or "credit cards" column of the ICBC portal.

China Industrial and Commercial Bank Credit Card Points Accumulation and Redemption Guide

One,

China Industrial and Commercial Bank Credit Card Points Accumulation Rules

Second,

China Industrial and Commercial Bank Credit Card Points Exchange Rules

Third,

China Industrial and Commercial Bank Credit Card Points Validity Period

China Industrial and Commercial Bank Credit Card Points Accumulation Rules

First, ICBC credit card points accumulation rules

Consumption of credit card users of China Industrial and Commercial Bank 1 RMB 1 HK$ 1 USD 1 8 points, excluding consumption below 1 RMB.

Two, the following transactions do not accumulate points.

1. Wholesale transactions: such as tobacco and alcohol, beer, building materials wholesale, computer mall, etc.

2. Transfer transactions: such as loan deduction, automatic transfer of utilities, transfer transactions for purchasing securities or funds, insurance withholding, etc.

3. Professional transactions: such as hospital payment, provident fund payment, tax payment, school payment, insurance payment, real estate sales, automobile sales, online transactions, auction pawn, etc.

4. Stored value transactions: such as fuel card recharge, telephone recharge, prepaid recharge, etc.

5. Other transactions that should not accumulate points will not accumulate points.

ICBC has the final decision on whether to accumulate points in the transaction.

China Industrial and Commercial Bank Credit Card Points Exchange Rules

I. Rules for redemption mileage of credit card points of ICBC

Two. Icbc credit card points exchange method

1. Log in to personal online banking to redeem ICBC credit card points.

(1), the cardholder logs into the personal online bank of China Industrial and Commercial Bank;

(2) Select Customer Service-Points Management-Points Redemption-Physical Gifts-Select "Credit Card Points-I Want to Redeem"-and enter the redemption interface;

(3) Select the gift and quantity to be redeemed. If the points match, the sending screen will pop up, and you can choose the default mailing address or re-enter the mailing address and postal code (note: please enter the correct contact number in the address bar to send the gift effectively);

(4) After the redemption is completed, deduct the credit card points of customers in real time and generate redemption documents;

2. Redeem ICBC credit card points at designated business outlets.

(1), the cardholder must bring his/her ID card and Peony Credit Card (the agent's ID card and cardholder's ID card are required for agency) to the designated business outlets to apply for redemption of points and gifts;

(2) The cardholder now inquires about his credit card points, selects the corresponding gifts according to the points, and fills in the redemption application form;

(3) The counter handling personnel of the business outlets shall redeem points according to the cardholder's redemption application;

(4) If the gift selected by the cardholder can be collected at the business outlet, the cardholder can collect it in real time; If the selected gift can only be mailed, ICBC will send the bonus gift selected by the cardholder in a unified way;

(5) If the selected gift has been redeemed, the customer can choose other gifts for redemption.

Three. Provisions of China Industrial and Commercial Bank on Redemption Mileage of Credit Card Points

1. ICBC credit card points can only be redeemed by airline members themselves. Cardholders who apply for redemption must first become club members of the relevant airlines and provide membership cards. Once the exchange application is accepted, it may not be changed or cancelled.

2. The airline will deposit the approved air mileage into the member account within 10~ 15 working days. Please refer to and abide by the terms and regulations of service issued by the airline for the validity period and usage method of redeeming air miles, and we are not responsible for any disputes related to this.

3. Only ICBC's credit card points can be redeemed, and joint points do not participate in redemption activities. The air mileage is limited, and the personal income tax expenses involved in the activity shall be borne by the cardholder.

China Industrial and Commercial Bank Credit Card Points Validity Period

1. The validity period of credit card points of China Industrial and Commercial Bank.

ICBC's credit card points are valid for 2 years. When the majority of card friends accumulate credit card points to redeem their favorite gifts, don't ignore the important factor of the validity period of credit card points, otherwise their hard-earned points will be "zeroed", which is not worth the candle.

For example, Miss Xu applied for ICBC Peony Mango Credit Card in May 2009, and the card will expire on May 3, 20 12. According to the validity period of credit card points of ICBC, the accumulated credit balance of this card in May of 20 1 1 year is 1000000. If Miss Xu does not use the points in this credit card before May 20 1 1, the points in this card will be 201/.

Two. Provisions of China Industrial and Commercial Bank on the Validity Period of Credit Card Points

The validity period of ICBC credit card points is the value-added function period given by banks to encourage cardholders to use credit cards. During the validity period, points accumulated to a certain amount can be exchanged for corresponding gifts or other services. However, if you want to exchange attractive gifts, you must first understand the validity period of credit card points to avoid the embarrassment of clearing them when they expire, otherwise the points and gifts will be cleared.

If you apply for both the primary card and the secondary card of the same ICBC credit card, the points of the primary card and the secondary card will be uniformly calculated under the primary card account, which will make your points increase faster. Moreover, the points between different cards you apply for can also be combined, and you can swipe any card you want, and the points are also accumulated.

Air khaki credit card points are calculated separately and cannot be combined with other credit card points. Please visit the website of China Industrial and Commercial Bank for details.

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