1. Pure points exchange doesn't have to cost money. As long as the credit card points are enough to exchange goods in integral mall, you can exchange them with the corresponding points without paying cash.

2. If some banks have points and cash, they need to pay a small amount of points first and then a certain amount of cash before they can be exchanged.

The basic rules of credit card points in Longka:

1. Longka credit card holders can accumulate points by swiping their cards (except Longka business cards) according to the calculation method specified in the points rules, and can redeem corresponding physical gifts, air miles, services, etc. (hereinafter referred to as "bonus") According to the regulations of China Construction Bank.

2. Under any of the following circumstances, China Construction Bank has the right to disqualify Longka credit card holders from participating in points activities: they are suspected of using false transactions to obtain points (including swiping cards for other people's transactions), their China Construction Bank Longka credit card has been stopped or restricted, cancelled by themselves, has overdue debts, violates the China Construction Bank Longka Credit Card Collection Agreement, violates the China Construction Bank Longka Credit Card Articles of Association or these points rules and other relevant regulations.

3. China Construction Bank has the right to require cardholders to provide consumer transaction invoices, shopping vouchers and other materials to verify the authenticity of the transaction; ? If the cardholder is unable to submit relevant materials, China Construction Bank has the right not to exchange them; China Construction Bank has the right to take measures such as freezing points, counting, freezing the use of cards and canceling cards. , and reserves the right to further recourse. Once it is verified that the cardholder has obtained points exchange arbitrage due to false transactions or has overdue debts, it violates laws, regulations, regulatory policies or relevant agreements of the Bank; ? If the aforementioned acts may constitute a crime, China Construction Bank has the right to report the case to the public security organ and provide relevant materials and information to the judicial organ.

4. Points are the feedback items that China Construction Bank gives cardholders credit card consumption. Before redeeming bonus points, they do not constitute the assets of the cardholder. Points cannot be transferred to other cardholders or any third party, and any transfer will have no impact on China Construction Bank.

Extended data:

Integral exchange method

1. The redemption of points shall be applied by the main cardholder, and the supplementary cardholder shall not apply.

2. Points can be redeemed through integral mall, Shanrong Business, points merchants, points deduction of financial service fees and other channels.

3. Redeem points and gifts online through credit card integral mall. The success of the application will be determined according to whether the cardholder's points deduction is sufficient and the gift inventory.

4. When credit cards are swiped by CCB points redemption partners, the points are used to offset some consumption redemption gifts.

5. Diamond credit card and Platinum credit card holders can call 400-888-8858 to apply for points redemption.

6. The cardholder shall declare and pay the taxes and fees generated by redeeming integral gifts by himself.

References:

Baidu encyclopedia-points redemption?

China Construction Bank-Integral Rule