Are the exchange standards the same for all postal savings banks?
Different postal savings banks have different exchange standards.
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.
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.
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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 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) You have points for spending on MasterCard and VISA, but you don't accumulate points for spending on UnionPay: real estate, automobile sales, wholesale, schools, withholding, tobacco settlement, insurance, hospital health, logistics and warehousing, and public utilities.
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.
What is the integral of postal credit card equivalent to 1 yuan?
1 integral is equivalent to 1 yuan. If you spend money in the retail merchant where the points are calculated, you can get 1 points for a single 1 yuan, and the part less than 1 yuan will be rounded off.
Secondly, credit card points of postal savings can be exchanged for various commodities in integral mall in the following ways:
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.
Credit cards of the Postal Savings Bank can earn points, and the accumulated points have the following rules:
1. If the cardholder uses a credit card to spend money, and the merchant spends money in stages, a single sum of 1 yuan can earn 1 points, and the part less than 1 yuan can be rounded and accumulated.
2. 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.
3. The points are valid within the validity period of the main credit card, and the points are kept in the main credit card account until the account is cancelled.
4. If the original transaction amount is reduced due to consumer returns or disputes, the Postal Savings Bank will reduce the corresponding points accordingly.
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. On the birthday of the gold card holder, the consumption points of the main card and the auxiliary card will double.
7. Transactions such as cash advance, repayment, recovery of overpayment, transfer, pre-authorization, manual account adjustment, return of goods, disputed transactions, online payment, annual credit card fee, revolving credit interest, handling fee and cash advance interest do not accumulate points.
8. Real estate consumption, automobile sales, wholesale, schools, withholding, tobacco settlement, insurance, hospital health, logistics and warehousing, public utilities, etc. Do not accumulate points. For specific categories of merchants not counting points, you can go to official website Postal Savings Bank for enquiry.
So, what is the use of the points accumulated in the credit card? Points can be exchanged for goods. There are several ways to redeem points:
1. Postal savings credit card customer service self-service voice service. You can call the 24-hour customer service hotline of Postal Savings Credit Card at 4008895580 to redeem credit card points according to the prompts.
2. Postal savings credit card points exchange website. Cardholders can enter the homepage of the credit card points redemption website of the Postal Savings Bank, enter the personal online banking user name, password and other information of the Postal Savings Bank, enter the points redemption page, select their favorite gifts, and redeem them directly or put them in the shopping cart. After the payment is confirmed, the page will display your success or failure in this exchange and generate an order.
How to accumulate credit card points of Postal Savings Bank? How to exchange points for gifts?
Although the Postal Savings Bank has many customers, many people don't know much about it because it is the first time to apply for a Postal Savings Bank credit card. For example, a friend who applied for a postal credit card for the first time asked: How did the credit card points of the Postal Savings Bank accumulate? How to exchange points for gifts? I will answer your question today.
How to accumulate credit card points of Postal Savings Bank?
1. Credit card holders of Postal Savings Bank can accumulate 1 points every time they spend 1 yuan, and the consumption points of the main card and the auxiliary card can be doubled on their birthdays. However, it should be noted that the points of the secondary card are included in the main card.
2. The consumption of real estate and automobile sales industries is not integral, and the consumption of schools, hospitals and public utilities is not integral.
3. Credit card transfer, repayment, cash withdrawal, payment of annual fees and late fees are not counted as points.
How to exchange points for the credit card of Postal Savings Bank?
First of all, shopping mall communication
You can log in to the points exchange mall of the Postal Savings Bank. After logging in, you can enter the points redemption page, and you can use points to redeem gifts.
Second, customer service telephone exchange
You can call the customer service hotline of Postal Savings Bank at 95580 or 400-889-5580, and ask the customer service staff to redeem credit card points for gifts. You can also redeem yourself according to the voice prompts. After dialing, press "5" key, then press "1" key, then press "2" key, and then enter your credit card, gift number and gift quantity to redeem the gift.
The above is a summary of the calculation rules of credit card points of Postal Savings Bank, and the method of exchanging points for gifts. Want to know what your points are, friends who want to redeem points can refer to the above summary.
This concludes the introduction of credit card exchange in integral mall and integral mall. Did you find the information you needed?