Cardholders can accumulate points by using China Construction Bank Longka Credit Card (except for transactions or merchants designated by China Construction Bank that do not accumulate points), including comprehensive points and special points.
1. The comprehensive score is 1 minute (rounded to the nearest integer according to the transaction amount) for each RMB 1 yuan product consumed by the cardholder when using the Longka credit card; 65,438 yuan +0 points per consumption; Spend 1 euro with the European Travel Card and get 9 points. Special points refer to the product rights services of some credit cards (such as car cards and airline co-branded cards), which provide points accumulation and points redemption according to specific product rights rules. For every RMB 65,438+066 (or equivalent foreign currency) spent by Shanghai Volkswagen Dragon Card, the accumulated points are 65,438+0 (calculated as integral multiples of the points).
2. The points of the cardholder's main card and supplementary card are combined and calculated, and the points generated by the consumption of supplementary cards are accumulated to the main card. The validity period of the points is five years at the longest (calculated by calendar year, including the year of accumulated points), and the accumulated points are from June 65438+ 10/to June 65438+February 3 1 (namely "the first year") in the fifth year. The accumulated points before 20 16 12 3 1 (inclusive) are permanently valid.
Example: the accumulated points between 201710/0, 0, 65438-12, 3 1 will expire on 202 1 2, 3 1, and the remaining points will be cleared automatically.
(In case of business changes, please refer to the actual situation. )
How to calculate credit card points?
Validity rules of credit card points:
1. Except Platinum Credit Card, Unlimited Credit Card, Great Wall Diamond Credit Card, Great Wall World Credit Card, Great Wall American Express Private Bank Credit Card and National Fitness Card, the cumulative period is one year (from July 1 day to June 29th of the following year), and the cumulative period is at least two years. The cumulative period is June 30th, 24 months later. (For example, the points generated from July 20 17 to June 29, 20 18 will expire on June 30, 2020).
2. The consumption points of Platinum Credit Card, Unlimited Credit Card, Great Wall Diamond Credit Card, Great Wall World Pole Credit Card and Great Wall American Express Private Bank Credit Card are valid for a long time, and the consumption points of National Fitness Card are valid for five years.
3. For the integral marketing activities carried out by Bank of China, the validity period of the marketing points given to customers who meet the conditions of the activities shall be subject to the release of the marketing activities.
4. When the credit card holder cancels the card, the transaction points of the card will be cancelled and cleared at the same time. It does not support the adjustment of points between credit cards, nor does it support the integration or adjustment of points between different customers.
The above contents are for your reference. Please refer to the actual business regulations.
The above contents are for your reference. Please refer to the actual business regulations.
How to calculate credit card points? Counting the credit card points rules of major banks
As we all know, there is an increase in points after the use of credit cards. But do you know that different banks have different algorithms for credit card points? So how do banks calculate credit card points? Next, we will take stock of the credit card points rules of major banks for everyone.
How to calculate credit card points of major banks?
1. Guangfa Bank: You can earn 1 points every time you spend 1 RMB or 1 HK dollars or 1 US dollars.
2. China Merchants Bank: You can earn 1 points for every RMB 20 you spend.
3. Minsheng Bank: You can earn 1 points for every consumption of 1 RMB or 1 USD.
4. Industrial Bank: Earn 1 points for every consumption of 1 yuan, and earn 7 points for every consumption of 1 dollar.
5. Bank of China: get 1 points for every RMB 1 yuan spent, and get 8 points for every 1 USD spent.
6. China CITIC Bank: Puka gets 1 points for every spending 1 yuan or 1 yuan HKD, and 8 points for every spending 1 dollar; Gold card gets 2 points for every consumption of 1 yuan; Platinum card can earn 2 points for every 65,438+0 yuan spent, and 65,438+06 points for every 65,438+0 yuan spent.
7. Bank of Communications: Earn 1 points for every RMB 1 yuan spent, and earn 8 points for every 1 USD spent.
8. China Construction Bank: Earn 1 points for every consumption of 1 yuan and 1 0 points for every consumption of1dollar.
9. ICBC: 65,438+0 points for every 65,438+0 yuan RMB or 65,438+0 yuan HKD, 8 points for every 65,438+0 USD, and 65,438+00 points for every 65,438+0 EUR.
10, Agricultural Bank: get 1 points for every consumption of 1 yuan, and get 8 points for every consumption of 1 USD.
1 1, Shanghai Pudong Development Bank: every 1 yuan RMB product 1 minute, every 1 USD product 16 minute.
However, there are four types of credit cards that cannot be scored normally: the first type is credit card channels with low discount rate, including car purchase, house purchase and wholesale; The second category is the stored value payment category, such as provident fund, tuition fees, various top-ups and so on. The third category is the expenses incurred by the credit card itself, including cash withdrawal, interest and various handling fees. The fourth category is the non-integral consumption stipulated by the bank itself. If you want to get points quickly, you should join the bank's multiple points activities.
How to calculate the credit card points of China Bank?
China bank card credit card points accumulation rules:
1. By cumulative product classification:
(1) Accumulate 1 points for every 1 yuan spent on BOC series credit cards and Great Wall series credit cards (except BOC Credit Card of Air China Companion);
(2) Platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards and Great Wall World Pole credit cards will spend RMB 1 point in China (excluding Hong Kong, Macao and Taiwan), and double points in other countries and regions.
(3) The Great Wall American Express Private Bank Credit Card has accumulated 2 points for every 1 yuan spent in China and other countries and regions.
(4) Accumulate 1 .5 points for every RMB 1 yuan spent by Air China Yin Zhi Bank of China Credit Card (where1points will be automatically converted into Air China miles as the "Future Wan Li" plan, and 0.5 points will be accumulated in my trading points account).
(5) If you spend 1 yuan at any gas station in China (refueling merchants with MCC of 5 172, 554 1 5542), you can get 0.5 points.
(6) Accumulated 25 yuan RMB 1 point per consumption of Great Wall Enterprise Business Card; Financial business card and Great Wall unit card cost 1 RMB +0 points.
(7) For every RMB 1.5 yuan spent by Platinum Card of China Mobile Credit Card in China (excluding Hong Kong, Macao and Taiwan), the accumulated points are 1.5, and the points of other countries and regions are doubled.
(8) All credit cards (such as airline co-branded cards and Ctrip co-branded cards). ) With automatic point redemption function, it will automatically convert its consumption points (unless otherwise specified) into products or services (such as air miles, Ctrip gift cards, etc.). ) the corresponding cooperative institutions, the redemption ratio shall be subject to the joint card rules; Its marketing points will not be automatically redeemed, but cardholders can actively redeem them through BOC points redemption channels, and the redemption rules shall be subject to the publicity of points redemption channels.
The above credit card spending is insufficient 1 yuan, and the transaction points will not be accumulated.
2. Cumulative classification by foreign currency:
For credit cards in (1) USD currency, the total consumption of ordinary cards, gold cards and titanium cards is 1 USD, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 14 USD.
(2) For credit cards in yen currency, the total consumption of ordinary cards, gold cards and titanium cards is 14 yen, while the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 14 yen.
(3) For credit cards in euro currency, the total consumption of ordinary cards, gold cards and titanium cards is 1 euro, while the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is1euro.
(4) For credit cards in sterling currency, the total consumption of ordinary cards, gold cards and titanium cards is 1, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 1, with points of 20.
(5) For credit cards in Australian dollar currency, the total consumption of ordinary cards, gold cards and titanium cards is 1 Australian dollar, while the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is1Australian dollar.
(6) Hong Kong dollar credit cards, the total consumption of ordinary cards, gold cards and titanium cards is HK$ 65,438+0, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is HK$ 65,438+0.
(7) The consumption of the official card of Great Wall Enterprise is USD 3 1 point.
3. Cumulative rules for installment payment business:
When the installment transaction of BOC (Great Wall) series credit cards is deducted from the account, points will be generated according to the recorded installment amount, and the accumulated points will be 1 minute per RMB; If the customer applies for one-time repayment in advance, points will be generated according to the recorded one-time repayment amount.
4. The following items will not accumulate trading points:
(1) Various interest and handling fees stipulated in the credit card articles of association or contract of China Bank, including but not limited to annual credit card fees, cash withdrawal fees, overdraft interest, liquidated damages and other credit card fees;
(2) Credit card transfer, cash withdrawal, deposit (repayment), withholding, agency payment, credit balance return and manual bill pressing transactions;
(3) online banking and telephone banking payment;
(4) Low or zero discount rate and special types of merchant consumption, including but not limited to real estate, automobile sales, wholesale transactions, public hospitals, public schools, junior high schools, government services, charitable undertakings, non-profit undertakings and other industries, as well as financial and government payment transactions (such as insurance, fines, investment, bail, taxes, etc.). ), the above information will be subject to UnionPay.
(5) The acquiring institution has set up a white list of special billing marks, preferential categories, relief categories or non-standard billing according to the relevant norms of China UnionPay and other relevant institutions;
(6) Credit card consumption of merchants in third-party payment platforms;
(7) Merchant consumption for which MCC code of merchant category is not included in China UnionPay merchant category code;
(8) Consuming UnionPay brand credit cards through domestic online transactions;
5. Other rules of integral accumulation:
(1) Credit limit for consumer transactions during the billing period: for cards with a credit limit exceeding 5,000 yuan, the credit limit is capped at 300%, that is, domestic consumer transactions with a cumulative credit limit exceeding 300% during the billing period will not accumulate points; For cards with a limit of less than or equal to 5,000 yuan or zero, the accumulated points of domestic consumption transactions during the billing period will reach 1.5 million.
(2) If the goods or services purchased by credit card are returned for any reason, or the money is returned due to signing disputes or other reasons, China Bank will deduct the accumulated trading points at that time.
(3) Participate in the integral marketing activities carried out by China Bank from time to time. During the marketing activities, those who meet the activity rules and meet the conditions of point accumulation shall accumulate points according to the amount specified in the activity rules.
The above contents are for your reference. Please refer to the actual business regulations.
How to calculate points for CCB credit cards?
1. CCB's credit card points calculation rules are as follows: 1. Credit card points of CCB include basic points and reward points. \2. The basic points are as follows: the cardholder spends 65,438 yuan on Dragon Card+65,438 +0 points on 0 yuan (6 points on Shanghai Volkswagen Dragon Card, 65,438 yuan+0,000 yuan); Every time you spend $65,438 +0 yuan, you get 7 points (if you spend with Shanghai Volkswagen Dragon Card, you get 4.2 points for $65,438 +000); Spend 1 euro with the European Travel Card and get 9 points. \3. Successfully handled the installment and mail order installment payment business of CCB credit card merchants, and obtained the equal points of the total installment principal at one time (originally, the corresponding points would be accumulated when the principal payable in each installment was recorded); Successfully handle the consumption installment business, without changing the original trading points and calculating additional points; Successful car purchase and housing installment business will no longer accumulate corresponding points. \4. The calculation date of credit card points of CCB is the bank bookkeeping date of this consumption. 5. CCB credit card points are extra points calculated to encourage cardholders to spend, use cards or use related products or participate in activities and meet the reward conditions. Reward points are calculated and used according to the terms of the activities announced by the reward activities. For example, reward points for card opening, double the activity points, etc. 6. The points of the cardholder's main card and the supplementary card are merged, and the points generated by the consumption of the supplementary card are accumulated to the main card. China Construction Bank credit card points accumulation rules \ Cardholders can accumulate points by using China Construction Bank credit card to swipe their cards in hotels, restaurants, entertainment, department stores and other retail stores, as well as by mail order and installment payment through China Construction Bank credit card center. \ \ 3. Credit card points of CCB will not be calculated: \ 1. Pay the revolving credit interest, annual fee, late payment fee, installment fee and other expenses, and withdraw the repayment with Longka credit card; \2. Related expenses withheld and remitted, and transactions paid by credit card; 3. Merchant consumption, financial and government payment transactions (such as insurance, investment, tax payment and fines) in non-profit industries such as real estate, automobiles, wholesale, hospitals, schools, charity and social services; \4. Other transaction types and merchants designated by China Construction Bank. 5. CCB has the right to deduct the cardholder's points for the transactions that should not be given due to the merchants' failure to install bank card acceptance equipment as stipulated by China UnionPay. China Construction Bank will not be responsible for the accumulated points caused by the failure of the acquirer or the merchant to correctly set the merchant category according to the regulations of China UnionPay. \6. If the goods or services purchased by credit card are returned for any reason, or the money is returned due to a purchase order dispute, or returned for other reasons, China Construction Bank will deduct the points originally obtained through this transaction. \ \ If you still don't know how to calculate the credit card points of CCB, you can call 95533 customer service for detailed consultation.
How to calculate the credit card points of China Bank?
China Bank Credit Card Points Calculation Rules:
1, BOC Credit Card, Great Wall Credit Card, Puka, Gold Card and Titanium Card can accumulate "BOC Points 365" bank card consumption points 1 minute for every consumption of RMB (except BOC Credit Card of Air China Zhiyin).
2. For credit cards with platinum level and above in China (excluding Hong Kong, Macao and Taiwan), for every RMB 65,438 spent in 0 yuan, the accumulated "BOC points 365"1points, and for every RMB 65,438 spent in other countries and regions, the accumulated "BOC points 365" 2 points. Among them, Great Wall American Express Private Bank Credit Card spent every 1 yuan in China and other countries and regions, and accumulated 2 points of "BOC points 365".
3. For all credit cards (such as airline co-branded cards) with automatic point redemption function, their bank card consumption points (unless otherwise specified) will be automatically converted into products or services (such as air miles). ) the corresponding cooperative institutions, the redemption ratio shall be subject to the joint card rules; Its marketing points will not be automatically redeemed, but cardholders can voluntarily redeem them through the points redemption channel of China Bank, and the redemption rules shall be subject to the publicity of the points redemption channel.
4. For credit cards in USD currency, the product consumption of ordinary cards, gold cards and titanium cards is 1 USD, with a total of 7 "BOC points 365" bank card consumption points, and the consumption of credit cards with platinum level or above is 1 USD, with a total of 14 "BOC points 365" bank card consumption points.
5. For credit cards in yen currency, the consumption of ordinary cards, gold cards and titanium cards is 14 yen, and the accumulated "BOC points 365" bank card consumption points 1 minute, and the consumption of credit cards above platinum level is 14 yen, and the accumulated "BOC points 365" bank card consumption points are 2 points.
6. For credit cards in euro currency, the product cost of ordinary cards, gold cards and titanium cards 1 euro accumulated 7 points of "BOC points 365" bank card consumption points, and the credit card cost of platinum level and above 1 euro accumulated 14 points of "BOC points 365" bank card consumption points.
7. GBP credit card, product consumption of ordinary card, gold card and titanium card 1, accumulated "BOC points 365" bank card consumption points 1, credit card consumption above platinum level1,accumulated "BOC points 365" bank card consumption points 20.
8. Australian dollar credit card, ordinary card, gold card and titanium card product consumption 1, accumulated 5 points of "BOC 365" bank card consumption points, credit card consumption above platinum level 1, accumulated 10 points of "BOC 365" bank card consumption points.
9. For credit cards in Hong Kong dollars, ordinary cards, gold cards and titanium cards cost 1 Hong Kong dollars, and accumulated "BOC points 365" bank card consumption points 1 Hong Kong dollars, and platinum-level or above credit cards cost 2 Hong Kong dollars.
10. If you spend $3 with the Great Wall Enterprise Business Card, you will accumulate "BOC points 365" bank card consumption points 1 minute.
1 1. Credit limit for consumer transactions during the billing period: credit with a credit line of more than 5,000 yuan will be capped at 300% of the credit line, that is, domestic consumer transactions that have accumulated more than 300% of the credit line during the billing period will not accumulate "BOC Points 365" credit card consumption points; For cards with a limit of less than or equal to 5,000 yuan or zero, during the billing period, the accumulated "BOC points 365" credit card consumption points reached 1.5 million.
12. If the goods or services purchased by credit card are returned for any reason, or the money is returned due to signing disputes or other reasons, Bank of China will deduct the accumulated "BOC Points 365" bank card consumption points at that time.
Tips: the specific points accumulation rules of each credit card shall be subject to the publicity of product rights and interests; If the credit card spending is less than 1 yuan, the "BOC points 365" bank card spending points will not be accumulated.
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of how to calculate credit card points and how to calculate credit card points. I wonder if you have found the information you need?