There are many banks, such as China Merchants Bank and Ping An Bank. Different banks have different rules for exchanging credit card points for Starbucks. For example, China Merchants Bank credit card 799 points can be exchanged for Starbucks; Ping An Bank's credit card 18000 points can be exchanged for 36 yuan Starbucks Cup, and 16500 points can be exchanged for 33 yuan China Cup. For the specific redemption rules, users can call the customer service phone of the credit card issuer for consultation, and then they can know the specific redemption rules.

1. Credit cards launched by different banks contain different rights and interests, so users should pay more attention when applying for credit cards. Then the higher the level when applying for a credit card, the more rights it contains. And you can apply through different channels, such as bank official website, mobile banking, bank counters and so on.

2. Users need to activate the newly applied credit card, which can be activated in different ways. It should be noted that the transaction password and inquiry password need to be set when activating, and these two passwords can be the same. After activation, users can use credit cards to spend money.

3. After using the credit card, you must repay it on time, and there can be no overdue situation. Because there will be penalty interest after overdue repayment, the longer the time, the more penalty interest. In fact, when the credit card can't be repaid on time, you can borrow money from friends around you and return it to your friends later.

First, the consequences of overdue

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.

Second, what is a credit card?

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.