Although the Postal Savings Bank has many customers, many people don't know much about all aspects of 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 questions today.
How do credit card points of Postal Savings Bank accumulate?
1. Postal Savings Bank credit card holders can accumulate 1 points every time they spend 1 yuan, and the cardholders can double the points spent on the main card and supplementary cards on their birthdays. However, it should be noted that the points of the supplementary card are included in the main card.
2. Consumption in real estate and automobile sales industries is not counted as points, and consumption in schools, hospitals and public undertakings is not counted as points.
3. Credit card transfer, repayment, cash withdrawal, payment of annual fees and late fees are not counted as points.
How to redeem the credit card of Postal Savings Bank with points?
First, the mall exchange
You can log in to the points exchange mall of Postal Savings Bank. After logging in, you can enter the points exchange page, and you can use your points to exchange 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 apply for exchanging credit card points for gifts. Or you can redeem yourself according to the voice prompts. After dialing, press the "5" key, then press the "1" key, then press the "2" key, and then enter your credit card++,gift number and gift quantity to exchange gifts.
The above is the summary of the points calculation rules of the credit card of the Postal Savings Bank, and the methods of redeeming the points for gifts. Friends who want to know what their points are and want to redeem the points can refer to the above summary.
How to exchange credit card points of Postal Savings Bank for Starbucks? Is it a good deal?
Postal Savings Bank credit card WeChat WeChat official account pushed a "points can be redeemed for Starbucks cup coupons!" The information has attracted the attention of many card friends. Many card friends said that their first reaction to seeing this information was to be happy. Although they exchanged a medium cup, it was better than nothing, and when they were happy, they wanted to know whether it was worthwhile or not. Let's take a look at it together.
1. How to exchange credit card points of Postal Savings Bank for Starbucks?
There are three channels for the credit card points of Postal Savings Bank to be redeemed for Starbucks, one is WeChat WeChat official account redemption, the other is mobile banking redemption, and the other is Postal Savings Credit Card APP redemption. Here is a brief introduction to the redemption processes of the following three channels:
1, WeChat WeChat official account Redemption: Pay attention to the credit card WeChat of the Postal Savings Bank, click on my account in "Ding ~ Account", click on "My Points" after checking the bill, and click on "Please come to WeChat Mall to query and redeem points" to find the Starbucks activity entrance on the home page, and you can redeem points.
2. Bank Mobile Banking Redemption: Download the Postal Savings Bank Mobile Banking, click on the "Credit Card" channel, find and click "Points Shopping", then go to the home page to find the Starbucks activity entrance, and redeem it with points.
3. Credit Card APP Redemption: Download the Postal Savings Credit Card APP, click on "E Mall and Activities" to enter the homepage of integral mall, and find the entrance of Starbucks activities on the homepage.
2. Is it cost-effective to exchange credit card points of Postal Savings Bank for Starbucks?
You can also see on the Starbucks redemption page of the Postal Savings Bank that it takes 37,000 points to redeem a medium Starbucks drink.
What is the concept of this 37000 integral? Without considering other preferential activities, according to the credit card points accumulation rules of the Postal Savings Office 1 yuan = 1 points, this Starbucks cup is equivalent to a brush of 37,000 yuan, and it is still a medium cup. Most banks need to swipe 15000- 17500 yuan to exchange for a large cup of Starbucks coffee, so it is not particularly cost-effective to exchange credit card points of the Postal Savings Bank for Starbucks.
If you insist on changing it, you won't be stopped!
Where can I redeem credit card points of Postal Bank?
Postal savings bank credit card users can call the 24-hour customer service telephone number 400-889-5580 of Postal Savings Bank savings credit card, press 5 to enter the points and short message service, you can check your convertible points, and then transfer to a manual agent to apply for a gift with multiple points.
Tips for redemption of credit card points in Postal Savings Bank;
1. The points of the supplementary card of the savings credit card of the Postal Savings Bank are combined into the account of the main card. The cardholder of the supplementary card cannot redeem the points gift, and the cardholder of the main card must apply for redemption of the points gift.
2. Postal Savings Bank Savings provides gift exchange for gold card holders of Postal Bank, which can be exchanged by eligible cardholders.
Mobile phone model: Huawei p30；; Mobile phone version: v 12.0 version
1, how long can the postal bank be stopped paying?
After the postal bank's credit card is stopped, it is usually unfrozen within three days. If it has not been unfrozen 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 stop payment business. Bank card payment is generally stopped because there is no transaction for a long time, or the bank card is overdrawn, owing money, and++and other reasons. You can go to the bank counter to find out the reasons and avoid the payment stop again in the future.
2. How much is the postal bank card SMS fee deducted for one month?
The short message fee of postal bank card needs to be charged in 3 yuan for one month, and it needs to be charged in 36 yuan for one year. The so-called SMS fee can also be called messenger fee, that is, when the balance of the bank card account changes, the specific fund changes will occur to the user through SMS, so that the user can keep track of the account fund changes 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 go to the postal bank's business outlets to cancel it.
3. Postal Savings Bank++query
(1) bank client query download the corresponding bank mobile client, fill in the bank reserved mobile phone number and login password, after login can query.
(2) business hall inquiry I go to the relevant bank with my ID card to inquire about my bank account information.
(3) Customer Service Inquiry: Call the customer service phone of the bank with the 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 Postal Bank?
Deposit interest rate 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.
5. How to inquire about the postal bank?
① Telephone inquiry. The customer service telephone 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, and you can 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 usually need to provide ID card information and China Postal Savings Bank card to get the specific bank information.
③ Online banking inquiry of China Postal Savings Bank.
What is the use of credit card points in postal savings?
Postal savings credit cards accumulate one point for every RMB spent during the cardholder's card holding period, and the accumulated points can be used for redeeming integral goods, gift certificates or related value-added services. Supplementary cards do not accumulate points separately, and the points obtained are automatically merged into their main card accounts.
1, integral automatic summary
When the 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. It is valid within the validity period of the main credit card, and the points generated by the original credit card are invalid when the card is cancelled.
2. Redemption of points
Cardholders can log on to this website in integral mall for points inquiry and redemption, and they can also purchase goods by stages in the form of "points+installment", and the maximum points can be up to 50% of the total price of goods. Please refer to the website help center for details of points reward.
Extended data:
First, the following transactions of UnionPay network do not accumulate points:
Real estate, automobile sales, wholesale, schools, withholding, tobacco settlement, insurance, hospital health, logistics and warehousing, public undertakings, cash withdrawal transactions, repayment transactions, various interest and handling fees, electronic cash deposit and electronic cash consumption, manual account reconciliation, return, reversal transactions, disputed transactions and other handling fees stipulated in the contract.
Second, the special card product regulations
1, gold card level main card and supplementary card holders double their spending points on their birthdays.
2. The cardholders of Dingya and Dingzhi Platinum Cards and their supplementary cards will be rewarded with twice the points for spending in their birthday month, twice the points for each installment of bill installment, transaction installment and cash installment, and the points will be deducted when the installment is cancelled.
3, youth theme credit card online fast consumption reward twice points.
4. The codes of Zhongyuan Food Card are only 544 1, 545 1, 5462, 581,58 12, 58 13 and 58/kloc-.
Postal savings bank of China-bonus points
How to exchange postal points for goods?
The exchange method is as follows:
1, first log in to the browser on the computer, 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, the points reward
(1) During your card holding period, you can get 1 points according to the amount recorded in the transaction, and the part less than 1 yuan will be rounded down, and the points will be recorded and take effect within T+2 days after the transaction is recorded.
The accumulated points can be used for redeeming points goods, gift certificates or related value-added services. Supplementary cards do not accumulate points separately, and the points obtained are automatically merged into their main card accounts.
(2) Your consumption on MasterCard Network and VISA Network has points, but the following consumption on UnionPay Network does not accumulate points: real estate, automobile sales, wholesale, school, withholding, tobacco settlement, insurance, hospital health, logistics and warehousing, and public consumption.
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, handling fee and interest of cash advance, fees derived from overdue payment (such as liquidated damages and interest) and other handling fees agreed in the Receiving Contract.
(3) Special provisions on card products
1. The cardholders of the gold card level main card and supplementary card double their spending points on their birthdays.
2. The holders of Platinum-level master cards and supplementary cards will be rewarded with twice the points for spending in the month of their birthday, twice the points for each installment of bill installment, transaction installment and cash installment, and the points will be deducted when the installment is cancelled.
3. Youth-themed credit cards and Easy Bear-themed credit cards are rewarded with twice the points for online fast consumption. Please log in to inquire about the specific business scope.
4. Other credit cards (excluding Zhongyuan Food Card, Sharing Card and Jinye Card) will be rewarded with double points for online fast consumption. For details of online fast merchants, please refer to the Detailed Rules for Credit Card Points Reward of China Postal Savings Bank.
5. The codes of Zhongyuan Food Card are 544 1, 545 1, 5462, 58 1 1, 58 only in the merchant code (the number of the merchant in the POS purchase order or the number of the merchant in UnionPay). Kloc-0/ 1 and 70 12 earn double points, while other transaction types, merchant types and merchant codes do not earn points.
6. Hebei Post Edge Co-branded Card will be rewarded with double points when swiping at the designated co-branded card merchants. For the list of merchants, please refer to the Detailed Rules for Credit Card Points Reward of China Postal Savings Bank.
7. When the credit card growth card and Hongyun card are allocated in installments automatically, the points will be doubled.
8. Share cards and gold leaf cards have no points for all transactions.
9. Capka, a Xinjiang Huiqin, will be rewarded with triple points for each installment of bill installment, transaction installment and cash installment, and will be deducted when the installment is cancelled.
10.IC card electronic cash account consumption has no points.
1 1. Please refer to "China Postal Savings Bank Credit Card Points Award Rules" for the special provisions of China Resources Co-branded Card.
Second, the integral query
Your bill will show the new points and accumulated total points 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 the cardholder holds more than one credit card master card, the points of each card are calculated according to the product rules of each card and uniformly stored in the cardholder's name. After one or more master cards are cancelled, the points of the original card will not be affected. When the cardholder cancels his account and there are no other credit card master cards in the Postal Savings Bank, the points under his name will be null and void.
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/February 1 2002 are permanently valid. From 0: 00 on February 1 20021day, the validity period of new points is 60 months according to the month of production.
(2) The validity period of the points generated by consumption and installment of the Platinum Card Grade Card products is permanent.
How many points of postal credit card points are equivalent to 1 yuan?
1 points are equivalent to 1 yuan. If you spend on the retail merchants who calculate the points, you can get 1 points for a single full amount of RMB 1 yuan, and the insufficient amount of 1 yuan will be rounded off.
Secondly, credit card points of postal savings can be exchanged for various commodities in integral mall, and the exchange method is as follows:
1, first log in to the browser on the computer, 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.
The credit card of Postal Bank can accumulate points, and the points accumulation has the following rules:
1. Where a cardholder uses a credit card for credit card spending and merchant staging, a single sum of RMB 1 yuan is available 1 points are insufficient 1 yuan is accumulated by rounding.
2. If you use the credit card of Postal Savings Bank for a single consumption, the points generated by the transaction amount will take effect on the day after the transaction entry date.
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 supplementary card are accumulated points, and the points of the supplementary 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 supplementary 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 interest of cash advance will not accumulate points.
8. The consumption of real estate, automobile sales, wholesale, schools, withholding, tobacco settlement, insurance, hospital health, logistics and warehousing, and public undertakings does not accumulate points. For the specific types of merchants that do not count the points, you can go to the Postal Bank of official website to inquire.
Then, what are the uses of the points accumulated in the credit card? Points can be exchanged for goods. There are the following ways to exchange points:
1. Postal savings credit card customer service self-service voice service, you can call the postal savings credit card 24-hour customer service hotline 4008895580 and redeem credit card points as prompted.
2. Postal Savings Credit Card Points Redemption Website. Cardholders can enter the homepage of Postal Savings Credit Card Points Redemption Website, enter the user name, password and other information of personal online banking of Postal Savings Bank, enter the points redemption page, select your favorite gift, and directly redeem it or put it in the shopping cart. After confirming the payment, the page will show your success or failure in this redemption and generate an order.
That's the end of the introduction of the credit card points exchange and the credit card points exchange mall of the postal savings. I wonder if you found the information you need from it?