After the credit card points of CCB are returned, it means that the points have failed to be redeemed, and the points used for redeeming gifts will also be returned. However, after the points are returned, the validity period remains unchanged, and the validity period is subject to the validity period before redemption. In addition to returning goods, users can also apply for exchange, and the exchange service is provided by the gift supplier. Therefore, gifts exchanged with points also have warranty service. If users find quality problems after receiving gifts, they can contact the gift supplier directly.

1. China Construction Bank has a broad customer base, and maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country.

1) Since the late 1970s and early 1980s, China Construction Bank has continuously expanded its banking functions while inheriting its original functions, and successively launched many businesses such as credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans. After more than ten years of reform and development, CCB's various businesses have developed rapidly, and its credit assets and liabilities have increased dozens of times. From a bank that only manages financial funds and supervises infrastructure allocation, it has developed into a national professional bank that handles both financial investment and credit business. It not only has fixed assets investment credit, but also supports working capital loans, both domestic and international financial business, with medium and long-term credit as its main business.

2) Since the mid-1980s, in order to meet the requirements of China's economic and financial system reform and economic development, China Construction Bank has successively opened cash cashier, residents' savings, fixed assets loans, working capital loans for industrial and commercial enterprises, international finance, housing loans and various agency services. By opening various commercial banking services to the public, the functions of banks have been enriched and a solid foundation has been laid for the transition to modern commercial banks.

3) From the early 1990s, in less than five years, it basically completed the transition from stand-alone operation to the development and application of the whole bank including electronic fund settlement system and online trading of Longka network. Construction bank system, general ledger transmission system and e-mail system, and also realized networking with SWIFT system.