In today’s consumer era, Bank Cards have become an indispensable payment tool in people’s daily lives. In addition to convenient payment functions and consumer credit services, credit card points bring additional benefits and surprises to cardholders. These seemingly insignificant points actually contain huge value. As long as you master the correct way to play, you can make the most of them and add benefits and fun to your life.
Full coverage of consumption scenarios
If you want to accumulate a large number of credit card points, you must first achieve full coverage of consumption scenarios. Whether it is online shopping, offline physical store consumption, or paying water, electricity, gas, or mobile phone recharge, to use Bank Cards to pay. Nowadays, online consumption is booming, and e-commerce platforms, food delivery platforms, and video website membership recharges are all good places to accumulate points. In offline consumption, daily scenarios such as supermarket shopping, restaurant dining, refueling, and taxis can also become sources of point growth. For example, if you go to the supermarket to purchase daily necessities every week and pay with a credit card, the number of points will be considerable over time.
Credit card points are not permanent, and the validity period rules of points vary from bank to bank. Some banks have a validity period of 1-2 years, while others are up to 5 years or even permanent. In order to avoid the expiration of points, cardholders should develop the habit of regularly checking the balance and validity period of points. You can check the points through the bank’s official APP, online banking, customer service hotline and other channels, keep abreast of the changes and expiration dates of points, and arrange points redemption plans reasonably.
In addition to the expiration of points, some illegal operations may also cause points to be cleared. For example, if a credit card is used for cash withdrawal, malicious overdraft, overdue repayment, etc., the bank has the right to deduct or clear the cardholder’s points according to regulations. Therefore, cardholders should abide by the credit card usage rules, maintain a good credit record and consumption habits, and avoid losing their hard-earned points due to improper behavior.
Credit card points are like treasures hidden behind consumption. As long as we carefully explore and use them skillfully, we can maximize their value. From the accumulation of daily consumption, to the carefully selected points redemption, to the rigorous and meticulous points management, every link contains the secret of making points “give money”.