How to calculate the birthday consumption of Industrial Bank credit card?

How to calculate the birthday consumption of Industrial Bank credit card?

Credit card holders of Industrial Bank earn three times as much points as general points accumulation rules when trading on their birthdays. Supplementary cardholders also enjoy triple points on their birthdays, and the points gained are included in the main card account.

Cumulative rules of credit card points of Industrial Bank: What consumption is not counted as points?

First, choose a good card to increase points. With the continuous development of Internet finance, the proportion of online consumption is increasing. In the past, most netizens paid more attention to the integral activities of credit card offline transactions. In fact, choosing the right credit card can also have unexpected gains online. For example, Taobao Xinka, launched by a bank, can quickly pay for shopping through Alipay online, and can also get credit card points rewards. Spend RMB 1 yuan 1 credit card points, and online and offline consumption points can be combined into one.

Second, online use is more cost-effective. Credit card points can be directly used as money online. For example, you can use a Taobao Xin card mentioned above to pay through Alipay's fast payment function, and you can make online consumption without opening online banking, and you can pay for water, electricity and gas. And the points can be converted into Taobao "Jifenbao" points, and Taobao shopping can directly deduct cash. 500 credit card points = 100 Alipay Jifenbao = 1 RMB, and the maximum amount of a single payment can be exchanged for 50 yuan. Overall, it is quite cost-effective.

It is very convenient to use points online, and you can also go to the special merchants of credit cards to exchange gifts and so on.

How to calculate the points of Industrial Bank?

Debit or credit card? Debit card (the kind that cannot be overdrawn) spends 200 yuan 1 minute, fund purchases 1 minute, financial management 50,000 points, three parties 5 points, one year 10 points, and credit card 9556 1 (overdraft).

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Will the credit card of Industrial Bank have points as long as it is spent?

Not all credit cards of Industrial Bank have points, and points are not calculated in the following cases:

1. Credit card transfer transaction, telephone/online banking cash advance transaction, RMB online payment transaction and withholding transaction (excluding insurance premium withholding business);

2. Credit card annual fee, interest, cash payment of points and various expenses (such as cash withdrawal transaction fee, late payment fee, etc.). );

3. use the industrial bank starry night? Cash advance (including overpayment withdrawal) transactions of Constellation Credit Card, Business Card (UnionPay brand), QQ, VIP Credit Card, Industrial Communication Card, Taobao Co-branded Credit Card, Jixiang Airlines Co-branded Card, Guangzhou Mobile Co-branded Card (IC) and Debit Card;

4. Overpayment transactions of standard Platinum Credit Card and UnionPay Zunshang Platinum Credit Card are not included in the points;

5. IC card electronic cash account deposit transaction and electronic cash consumption have no points;

6. Account signing consumption of specific types of merchants, including but not limited to real estate, automobile sales, wholesale transactions, telecom and TV payment, pawn auction, public institutions, hospitals, junior high schools, universities, colleges, specialized schools, charity and social services, non-profit undertakings, fines, bail and bonds, tax payment, services, embassy and consulate fees, etc. And the specific merchant categories listed in the following table.

Does Industrial Bank credit card online consumption count as points?

Of course, online payment for industrial cards purchased by Taobao is not integral.

Does Industrial Bank credit card Taobao shopping count as points?

Of course, online payment for industrial cards purchased by Taobao is not integral.

Industrial Bank Credit Card Integral Center

The credit card integral activity of Industrial Bank is an incentive activity launched by the Credit Card Center of Industrial Bank (hereinafter referred to as "Credit Card Center") to give back to the credit card holders of Industrial Bank. All Industrial Bank credit card holders can accumulate points (unless otherwise stipulated by the bank) when using valid Industrial Bank credit card signing accounts or borrowing in advance, and the accumulated points can be used for redemption of points gifts, gift certificates, air miles, related services and points consumption. Article 1 The object of integral activity (1) The object of integral activity is the credit card host of Industrial Bank. (2) Credit card holders of Industrial Bank will not participate in the integral activities under any of the following circumstances: 1. The credit card is cancelled or deactivated; 2. Credit cards are regulated; 3. The credit card is overdue for more than 30 days; 4. The credit card holder violates the credit card collection contract of Industrial Bank; 5. Other circumstances stipulated by the credit card center. Article 2 Calculation and accumulation methods of points (1) Industrial Bank credit card holders can earn points by spending and borrowing cash in advance with valid Industrial Bank credit cards. For every 65,438+0 yuan RMB 65,438+0 and every 65,438+0 USD, 7 points will be accumulated. Earn 7 points for every 65,438+0 yuan RMB and every 65,438+0 USD. (2) If you accumulate 1 points in multiples, you can get double points when you use the Industrial Bank credit card to spend abroad, except for consumption without points (see paragraph 4 of this article); You can't get double points for overseas cash advances. 2. Account signing in consumption abroad only refers to the consumption completed through overseas Visa and MasterCard networks, excluding the consumption completed through Hongkong, Macau and overseas UnionPay networks, and also excluding the consumption mistakenly invested in domestic Visa and MasterCard networks. 3. Credit card holders of Industrial Bank will get points three times as much as the general points accumulation rules when they trade on their birthdays. Supplementary cardholders also enjoy triple points on their birthdays, and the points gained are included in the main card account. 4. These Provisions shall be implemented as of February 1 day, 2007. (3) Accumulate points according to relevant activity rules during the special promotion period. (4) Points are not calculated for the following expenses and transactions: 1, credit card transfer transactions; 2. Credit card annual fee, interest, cash payment for points exchange and various expenses (such as late payment fee); 3. Low discount rate, zero discount rate and special types of merchant consumption are not included in the points, including but not limited to: (1) agricultural services, contracted services, real estate, wholesale, bridge tolls, etc. ; (2) Sales, leasing and maintenance of automobiles, trucks, recreational vehicles, snowmobiles and other motor vehicles, as well as airplanes, farm tools and their parts; (3) hospitals, schools, services, tax payment, payment, charity and social welfare; 4. Other items designated by the credit card center. (5) If the cardholder returns the goods or services consumed by signing the bill for some reason, or returns the transaction money due to signing disputes or other reasons (such as return), or cancels the cash advance transaction, the credit card center will deduct the points previously obtained by the cardholder according to the amount of the transaction money returned by the cardholder. If the cardholder has used the points to redeem bonus gifts before deducting the corresponding points, resulting in insufficient points in his credit card, the credit card center will calculate negative points in the cardholder's bonus account after deducting the balance of points in the cardholder's credit card, and make up for them when the cardholder has new points in the future. If the cardholder still has negative points to compensate when closing the account, the credit card center will calculate the points fee at the rate of 0.004 yuan per minute according to the negative points. (VI) The credit card points of Industrial Bank are accumulated in the main card account, and the consumption of supplementary cards is also included, and the supplementary card points are included in the main card account. (7) Industrial Bank has the right to change the items and proportion of integral calculation at any time, and reserves the right of final interpretation within the scope permitted by law. Article 3 The points of Industrial Bank's credit card are valid within the validity period of the credit card; After the card expires, the cardholder will renew the card and the points will be automatically extended; After the credit card account is closed or cancelled, the remaining points will be cleared and cannot be recovered. Article 4 Points Inquiry (1) Credit card points are only used by the main cardholder. ......

How to use the industrial points is the most cost-effective.

Spend 128 yuan before 25th of each month. You can redeem twice online and three times offline next month, and you need to use 6000 points for each redemption.

Online redemption: redeem Starbucks big coffee electronic coupons in the official account of Xingye WeChat WeChat.

Offline redemption: swipe your card directly from the online store and redeem 6000 points for Starbucks mugs.

If you spend more than 8,000 yuan a month, it will increase the chances of online communication twice. Lan Yi feels that there is no need to force it.

If the consumption is not up to standard or exceeds the monthly redemption times, then each redemption needs 17500 points-which is not worth it.

How to spend credit card points of Industrial Bank?

& gt Online shopping and staging: Chengyigou Shopping Mall

Note, only by swiping the card will you get points ~

Common types of merchants with points: clothing stores, supermarkets, cosmetics stores and restaurants. ....

Common types of merchants without points: house purchase, car purchase, bulk furniture purchase and wholesale. .....

How to calculate the interest on installment payment of Industrial Credit Card?

Number of installments, principal payable for each installment and installment fee.

(1) The number of installments that cardholders can apply for is 3, 6, 12, 18, 24 and 36 (one month for each installment).

(2) The repayable principal of each period is equal to the total principal of each period divided by the number of periods, accurate to the minute, distributed on the first billing date after each period, and recorded in installments on the billing date of each period.

(3) There are two ways to collect the installment fee: one-time charge and installment charge. The installment fee is equal to the total amount of installment principal multiplied by the installment rate, which is included in each installment on the billing date after installment, and the one-time installment fee is equal to the total amount of installment principal multiplied by the installment rate, which is included in one-time on the first billing date after installment.

(4) The installment fee rate for each installment is as follows:

Note: The charging standard of US dollar consumption installment business is the same as that of RMB consumption installment business.

(5) The principal payable for each installment and the installment fee will be fully included in the minimum repayment amount.