Credit cards originated in Western countries at the time, when people used to credit, settle and promote consumption. With the continuous development of the credit card industry, credit cards have become an indispensable part of the modern real economy. In addition to the most common consumer payment features, credit cards can also be used for loans, cash withdrawals, accumulated credits and points, and more. Today, Xiaobian wants to talk to friends about the credit card points. Let’s take a look at how to quickly accumulate credit card points when you are licking wool! Let's take a look at it.
First, let's first understand what credit card points are?
Credit card points are a kind of reward mechanism specially designed by banks to promote cardholders' consumption. Each purchase of the cardholder's merchant type in the bank will generate corresponding points. When the points accumulate to a certain value, the cardholder can redeem the gift in the point store of the issuing bank. What the friends need to pay attention to is that the credit card points of different banks are calculated differently.
Second, how do we check credit card points?
1. SMS inquiry: In the case of construction behavior, the cardholder can directly edit the short message “CCJF# card number four†to 95533, which is very convenient;
2, telephone inquiry: in the case of work behavior, cardholders can call the credit card hotline: 95588, according to the prompt to turn the manual customer service to check credit card points;
3. Network inquiry: Cardholders can check credit card points through “customer service†→ “point service†→ “point inquiry†on the official website of the bank;
4. Checking the bills: Cardholders can log in to the online banking official website and check the credit card points obtained for each purchase through the monthly statement.
Third, how do we quickly accumulate credit card points?
1. Participating in the bank's points activities: On some special holidays or activity days, as long as the cardholders spend within the merchants specified by the bank, they will receive points or double rewards. At present, most credit cards are consumed on the birthday, and cardholders can earn double points.
2. Apply for a more advanced credit card: Credit card points for Gold and Platinum cards are usually 2-5 times that of Puka. Take CITIC Bank's Yueka Gold Card as an example. Cardholders who meet the consumption conditions can earn up to 8 times points.
3. Select credit cards with permanent credit: At present, the credit card points of most banks are valid for 1-2 years. If you want to accumulate long-term points, it is recommended that you apply for permanent and valid card types and card-issuing banks in the province, such as Industrial Bank and China Merchants Bank.
4, increase the frequency of credit card consumption: the easiest way is to consume more, in different merchants and occasions.
Summary: Credit card points can not only be used to redeem physical goods, such as daily necessities, digital home appliances, etc., but also can be used to exchange airline miles, mobile phone traffic, mobile phone bills, etc., and can also be deducted as cash in the specified merchants. For example, Starbucks' 9 points for coffee is a prime example. But what the friends need to pay attention to is that after the credit card points expire, they will be automatically cleared. Friends can redeem the credit card points before they are cleared. It is recommended that friends, when their credit card is received, may ask the issuing bank's customer service first, ask the card credit card consumption points exchange ratio and the credit validity period, in order to better plan the use of credit cards. I hope this information will help my friends.
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