What is the most cost-effective way to exchange credit card points? Introduction to the usage of credit card points
4hw.com.cn: credit card consumption will give you points. Usually, points are one point for each piece of consumption. Now many banks have points to exchange goods. Do you know what is the most cost-effective point exchange? Let's take a look at the point exchange strategy with Xiaobian.
How to exchange credit card points
1： Try to redeem virtual goods
Although most banks can provide a wide range of credit card points to exchange goods, cardholders had better choose virtual goods for exchange, such as mobile phone recharge card, supermarket shopping card or gas card, rather than physical goods.
Credit card point exchange
After cardholders use credit card points to exchange physical goods, in addition to consuming points, some banks will require cardholders to pay freight, which will cause additional expenses. According to the survey, many cardholders reflect that the delivery speed of physical goods is slow, and some people even receive the exchanged goods a month later.
In addition, if there is a quality problem in exchanging physical goods, the bank is usually not responsible for after-sales. Generally, the cardholder needs to negotiate with the merchant providing the goods. The goods exchanged by the cardholder use credit card points, and most banks cannot provide invoices, which makes the cardholder encounter difficulties in returning and exchanging goods.
2： Try to exchange for high-value goods
There are many kinds of goods on the bank's points exchange website. Although the value of goods that can be exchanged for points is basically the same according to the same reason, there will be differences in the prices of goods that can be exchanged for points. If you are hesitant in several goods, you might as well check the prices of these goods on the shopping website first, Try to choose goods with high prices.
3： Try not to exchange goods that need more money
There are many integral goods. In addition to credit card points, the cardholder also needs to add some cash to exchange them. However, the figure of exchanging points for goods is free. Unless you like a certain commodity very much and check the original price of the commodity on the Internet, you really think the exchange is appropriate, you should try to exchange goods that do not need to add money.
What's the use of credit card points?
1. Points can be converted into part of consumer money, or you can exchange gifts at the mall. In short, the exchange is provided by merchants, which has the final say of the merchants. Points are used to offset cash. This is a new method in recent years. There will be exchange in bank cooperative stores. Brushing points can be used as cash to buy things. For example, it can be exchanged in some department stores, such as new world department store and Starbucks. However, generally speaking, it still depends on the types of credit cards. Some credit cards can be exchanged a lot, while others can be exchanged a little.
2. Exchange gifts. You can go to the official website of your credit card bank to find the option of credit card points, and you can see some goods exchanged for points and the point prices of goods. Of course, the commodities of each bank may be different. In addition to physical goods, there will also be some commodity bonds and experience bonds.
3. Redeem mileage. Some credit card points can be exchanged directly for mileage, but generally you need to be a VIP user of the airline. The mileage redeemed for points can be used when you are on a business trip or traveling.