How to use the Postal Savings Credit Card integral mall?

How to exchange postal points for goods?

The exchange method is as follows:

1. Log in to the browser on the computer first, then enter "China Postal Savings Bank integral mall", and then select the place indicated by the red arrow in the list to enter.

2. Next, log in to your postal credit card account in the page.

3. Next, select "integral mall" at the place indicated by the red arrow.

4. Then select the goods to be redeemed, and click "Redeem Now" at the arrow.

Integral rule

First of all, bonus points.

(1) During your card holding period, you can earn 1 points according to the transaction amount of RMB 1 yuan, and the part less than 1 yuan will be rounded off, and the points will be recorded and take effect within T+2 days after the transaction is recorded.

The accumulated points can be used for redeeming points goods, gift certificates or related value-added services. The secondary card does not accumulate points separately, and the points obtained are automatically merged into its main card account.

(2) Your consumption on MasterCard network and VISA network has points, but the following consumption on UnionPay network does not accumulate points: real estate, automobile sales, wholesale, school, withholding, tobacco settlement, insurance, hospital health, logistics and warehousing, and public money consumption.

All card products do not accumulate points in the following transactions: cash advance, repayment, recovery of overpayment, transfer, pre-authorization, manual account adjustment, return of goods, disputed transactions, online payment (excluding online express payment), annual credit card fee, revolving credit interest, cash advance fee and interest, expenses arising from overdue payment (such as liquidated damages and interest) and other fees agreed in the bill collection contract.

(3) Special provisions for card products

1. Gold card holders' birthday spending points doubled.

2. Platinum-level master card holders and supplementary card holders will get 2 times bonus points for spending in the month of their birthdays, and 2 times bonus points for each installment of bills, transactions and cash, and the bonus points will be deducted when the installment is cancelled.

3. Youth-themed credit cards and relaxed bear-themed credit cards can get double points for online fast consumption. Please visit the website for details.

4. Other credit cards (excluding Central Plains Food Card, Sharing Card and Gold Leaf Card) will be rewarded with double points for online quick consumption. For online express merchants, please refer to China Postal Savings Bank's credit card points reward rules.

5. The codes of Zhongyuan Food Card are 544 1, 545 1, 581,581,5865438+5865438.

6. Hebei Post Edge Co-branded Card can get double points reward by swiping the card at the designated co-branded card merchant. For the list of merchants, please refer to the Detailed Rules for Credit Card Points Award of China Postal Savings Bank.

7. When the credit card growth card and Hongyun card are automatically distributed in installments, the points will be doubled.

8. All transactions of share cards and gold leaf cards have no points.

9. Capka, Qin Hui, Xinjiang, will be rewarded with triple points for each installment of bill, transaction and cash, and will be deducted when the installment is cancelled.

10.IC card electronic cash account consumption has no points.

1 1. For the special provisions of China Resources Co-branded Card, please refer to the Credit Card Points Award Rules of China Postal Savings Bank.

Second, the integral query

Your bill will show the new points and accumulated total points for this month. You can also check your points by calling our credit card customer service hotline, logging in to online banking, "Postal Savings Credit Card" APP or mobile banking.

Third, the integral automatic summary

Points are stored in the cardholder's name. When a cardholder holds more than one credit card, the points of each card are calculated according to the product rules of each card and stored in the cardholder's name. After one or more master cards are cancelled, the points of the original cards will not be affected. When the cardholder cancels the account and there is no other credit card master card in the Postal Savings Bank, the points under his name will be invalid.

Fourth, the validity period of the points

(1) Puka and Gold Card products: points generated by customers' consumption and installment, and points recorded before 0: 00 on February 1 year 202 are permanently valid. From 0: 00 on February 0, 65438 +20265438, the validity period of new points is 60 months according to the month of production.

(2) The validity period of points generated by consumption and installment purchase of Platinum Card products is permanent.

How to exchange credit card points of Postal Savings Bank for Starbucks? Is this a good deal?

Postal savings bank credit card WeChat official account pushed a "points can be exchanged for Starbucks Cup coupons!" The information has attracted the attention of many card friends. Many card friends said that the first reaction to seeing this message was to be happy. Although I changed a medium-sized cup, it is better than nothing. When I am happy, I want to know if it is worth it. Let's take a look together.

1. How to exchange credit card points of Postal Savings Bank for Starbucks?

There are three channels for the credit card points of Postal Savings Bank to be redeemed for Starbucks. One is the official account redemption of WeChat, the other is the redemption of mobile banking, and the third is the redemption of Postal Savings Credit Card APP. The following is a brief introduction to the exchange process of the following three channels:

1, WeChat official account redemption: Pay attention to the credit card WeChat of Postal Savings Bank, click on my account in "Ding ~ Account", click on "My Points" after checking the bill, click on "Please go to WeChat Mall to inquire about redemption points", and find the Starbucks activity entrance on the home page to redeem points.

2. Bank Mobile Banking Redemption: Download the Postal Savings Bank Mobile Banking, click the "Credit Card" channel, find and click "Points Shopping", then go to the home page to find the Starbucks activity entrance and redeem it with points.

3. Credit Card APP Redemption: Download the Postal Savings Credit Card APP, click "E Mall and Activities" to enter the home page of integral mall, and look for the entrance of Starbucks activities on the home page.

2. Is it cost-effective to exchange credit card points of Postal Savings Bank for Starbucks?

You can also see on the Starbucks redemption page of the Postal Savings Bank that it takes 37,000 points to redeem a medium-sized Starbucks drink.

What is the concept of this 37000 integral? Without considering other preferential activities, according to the credit card points accumulation rules of the Postal Savings Office, 1 yuan = 1 points, this Starbucks cup is equivalent to spending 37,000 yuan to get it, and it is still a medium cup. Most banks need to swipe 15000- 17500 yuan to exchange a large cup of Starbucks coffee, so it is not particularly cost-effective to exchange credit card points of the Postal Savings Bank for Starbucks.

If you insist on changing, you will not be stopped!

Where can I exchange credit card points of Postal Savings Bank?

Credit card users of the Postal Savings Bank can call the 24-hour customer service telephone number 400-889-5580 of the Postal Savings Bank, press 5 to enter the points and SMS service, and then check their own convertible points, and then transfer to a manual agent to apply for multi-point gift.

Tips for redemption of credit card points of Postal Savings Bank;

1. Sub-card points of savings credit card of Postal Savings Bank are merged into the main card account. Deputy cardholders can't redeem points gifts, and main cardholders need to apply for redemption of points gifts.

2. Postal Savings Bank provides gift exchange for gold card holders of Postal Savings Bank, and eligible cardholders can exchange gifts.

Mobile phone model: Huawei p30；; Mobile phone version: v 12.0 version

1. How long can the Postal Savings Bank stop paying?

After the credit card of the Postal Savings Bank is deactivated, it is usually unfrozen within three days. If it has not been thawed for more than three days, the cardholder can contact the bank staff by phone to ask the reason, or bring the bank card and ID card to the bank counter to cancel the bank card payment stop business. Bank card payment is generally stopped because there is no transaction for a long time, or the bank card is overdrawn, owing money, and++and other reasons. You can go to the bank counter to find out the reason and avoid stopping payment again in the future.

2. How much is the postal bank card SMS fee deducted for one month?

Postal savings bank card SMS fee needs to be charged in 3 yuan for one month and 36 yuan for one year. The so-called short message fee can also be called messenger fee, that is, when the balance of bank card account changes, the specific fund change situation is prompted to the user through short messages, so that the user can keep abreast of the fund change situation in the account at any time. But now you can also check the account balance at any time through mobile banking. If you don't need SMS service, you can cancel it at the business outlet of Postal Savings Bank.

3. Postal savings bank++query

(1) Bank client inquires and downloads the corresponding bank mobile client, fills in the reserved mobile phone number and login password of the bank, and can inquire after logging in.

(2) Business hall inquiry I hold my ID card and go to the relevant bank to inquire about my bank account information.

(3) Customer service inquiry: use the mobile phone number reserved in the bank to call the customer service phone of the bank, and then transfer to manual service, and report the ID number of your card registered at that time to inquire about the bank++.

4. What is the interest rate of the Postal Savings Bank?

The deposit rate is 0.3%, three-month deposit rate 1.35%, six-month deposit rate 1.56%, one-year deposit rate 1.78%, two-year deposit rate 2.25%, three-year deposit rate 2.75% and five-year deposit rate 2.75%.

5. How to inquire about the Postal Savings Bank?

① Telephone inquiry. The customer service number is 95580. You only need to provide the identity card information and name of the head of the household and the account number of the postal savings bank card to query the bank information.

② Check at the counter of any bank outlet. When you go directly to the counter of the local China Postal Savings Bank for consultation, you generally need to provide ID card information and China Postal Savings Bank card to get specific bank information.

③ Online banking inquiry of China Postal Savings Bank.

So much for the introduction of the Postal Savings Credit Card integral mall.