The credit points of CITIC Credit Card are purely a bluff, mostly points+money exchange, and the exchange price is more expensive than the market price. Points are simply furnishings, change your bank card! In the past, I often scolded Bank of China. The points can only be exchanged for gadgets, and hundreds of thousands of points can be exchanged for pots. Since the use of CITIC Bank, I found that China Bank has more conscience. Citic points can't even be exchanged for gadgets, so you have to pay for everything yourself. Things are more expensive than others, and the points are not even top. What age is it now? I have no sincerity at all. When ordinary people are stupid?