Postal bank credit card points exchange

How to exchange credit card points of Postal Savings Bank?

1. Open the Google version (92.0.45 15) with a computer: macbookpromos 14. Log in to the credit card points redemption website of China Postal Bank: After logging in, enter your user name, password and other information in the personal online banking of Postal Savings Bank, enter the points redemption page, select your favorite gifts according to your points, and then directly redeem them or put them in the shopping cart; 2. Call the credit card customer service hotline for redemption: The hotline of the Postal Savings Bank has opened a self-service voice system, and you can choose redemption by pressing the number keys according to your personal needs through voice prompts. Postal savings bank credit card points calculation rules: 1. Points are valid within the validity period of the main credit card and remain in the main credit card account until the account is cancelled. 2. If the cardholder uses the credit card for credit card spending and merchant installment, if the single amount is RMB 1 yuan, he will get 1 points, and the part less than 1 yuan will be rounded off. The accumulated points can be used to redeem bonus gifts, gift certificates or related value-added services. 3. If you use the credit card of Postal Savings Bank to make a single consumption, the points generated by the transaction amount will take effect on the day after the transaction is recorded. On the birthday of the gold card holder, the consumption points of the main card and the auxiliary card will double. 5. The consumption of the main card and the auxiliary card is cumulative points, and the points of the auxiliary card are merged into the main card account. 6. If the original transaction amount is reduced due to consumer returns or disputes, the Postal Savings Bank will reduce the corresponding points accordingly. 7. The following consumption does not accumulate points: real estate, automobile sales, wholesale, schools, withholding, tobacco settlement, insurance, hospital health, logistics and warehousing, and public enterprises. Please refer to the attachment for details. 8. The following transactions do not accumulate points: cash advance, repayment, recovery of overpayment, transfer, pre-authorization, manual account adjustment, return, disputed transactions, online 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 stipulated in the collection contract.

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 because there is no transaction for a long time, or bank card overdraft and arrears appear. 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 inquiry

(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 Call the customer service of the bank with your mobile phone number reserved in the bank, and then turn to manual service, and quote the ID number registered at that time of your card 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.

How to get credit card points?

Postal savings bank obtains points through credit cards, and cardholders use credit cards for credit card consumption and merchant staging. As long as the single consumption reaches RMB 1 yuan, the accumulated points reach 1, and the amount less than RMB 1 yuan is rounded off. The accumulated points can be used to redeem bonus gifts, gift certificates or related value-added services. The cardholder uses the credit card of Postal Savings Bank to make a single consumption, and the points generated by the transaction amount will take effect on the day after the transaction is recorded. The consumption of the main card and the auxiliary card of the credit card is accumulated points, and the points of the auxiliary card are merged into the main card account. If the original transaction amount is reduced due to consumer returns or disputes, the Postal Savings Bank will reduce the corresponding points accordingly.

First, credit card points are very useful. Here are some common places:

1. Redeem gifts. You can go to the bank where your credit card is opened, official website, and find the option of credit card points, then you can see the gifts with redeemable points. In addition to physical objects, there will be some goods, experiences and so on.

2. integral mall exchanges gifts. You can exchange gifts at the mall. In banks, cooperative merchants can exchange points for goods or deduct a certain amount. Businesses such as Starbucks often have such credit card points redemption activities.

3. Integral oil change, such as the integral oil change of CCB Longka automobile card, belongs to the card type of CCB credit card oil card, and the integral of automobile card is generally oil change. The owner's card can also be used to change oil or toll.

4. Redeem air miles. Some credit card points can be directly converted into airline miles, and the mileage converted from points can be used when you are on a business trip or traveling.

Some credit card points can also be directly exchanged for annual fee reduction.

2. Precautions for using credit cards:

1. Pay attention to two dates: bookkeeping date and repayment date.

Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.

2. Credit card information should be protected.

The three key information on the face of a credit card: the expiration date and the CVV code, affect your card security, especially the CVV code, which is as important as the password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.

3. swipe your card frequently, free of annual fee; Only when the repayment is made on time can the amount be withdrawn.

Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.

4. Choose the repayment method that suits you best.

In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment.

5. If you can't, or delay repayment due to something, you can call customer service to apply for deferred repayment.

If your funds can't be turned over temporarily, or you are delayed in repayment due to something, don't worry, call the bank customer service immediately and apply for a delay of repayment for one to three days.

Are the exchange standards the same for all postal savings banks?

Are the exchange standards the same for all postal savings banks?

Different postal savings banks have different exchange standards.

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 1 yuan, and the part less than 1 yuan will be rounded down, and the points will be recorded and take effect within T2 days after the transaction entry date.

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 reward 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 redeem postal credit card points for gifts

Users can call the hotline of the Postal Savings Bank and enter the credit card points exchange website of the Postal Savings Bank. The redemption method of the points redemption website is as follows: enter the points redemption website of the Postal Savings Bank-login-enter the points redemption page-select the gift to be redeemed-select the card-confirm the delivery-confirm the redemption information-view the redemption results.

Postal development process:

1, semi-feudal and semi-colonial China Post since the 1840 War, Chunghwa Post during the Republic of China, People's Post during the Revolutionary War in China, Post that has contributed to the development of people's posts and telecommunications and national economy since the founding of New China, Post that has been reformed to meet the needs of national economic development in the new era, and Post that is closely related to the development of people's livelihood in the future!

2. In the early days of the founding of New China, the postal communication network in China had poor foundation, few outlets and outdated equipment. At the end of 1949, there were only 26,328 post offices in China (except Taiwan Province Province), with an average service area of 364.6 square kilometers and an average service population of 2 1000 people. There are only letters, parcels, money orders and other businesses. The per capita mail volume is only 1. 1, and the total postal business in the whole year is 65.

3. Since the founding of New China, especially since the implementation of reform and opening up, China Post has developed rapidly and healthily, and its postal network extends in all directions, covering the whole country and connecting with the world, and its comprehensive strength has been continuously enhanced, and it has gradually embarked on a postal development road with China characteristics. Mainly manifested in: the communication ability has been significantly enhanced, the level of technical equipment has been significantly improved, the business operation has achieved remarkable results, the service level has been continuously improved, and foreign cooperation and exchanges have been increasingly enhanced. Up to now, China has basically formed a modern postal network with comprehensive utilization of aviation, railways and highways, connecting urban and rural areas, covering the whole country and reaching the world. It has truly realized Premier Zhou Enlai's expectation that "sending Wan Li is related to the national conditions".

4. The first sentence of "the State Council Postal System Reform Plan" points out: "Postal industry is an important social public utility of the country, and postal network is an important communication infrastructure of the country". This orientation defines the public service attribute of the postal industry.

Operating environment: browser computer: macbookpromos 14 open google version 92.0.4515.131.

Official website's introduction about the credit card points exchange of Postal Savings Bank and the credit card points exchange of Postal Savings Bank ends here. Did you find the information you needed?