foreword
I have been using the GF credit card for almost 14 months, and found that the points are more than 9.8W. It happened that a group of friends asked me how to realize the points, so I did a little research.
Exclusion
First of all, physical products are excluded by default, which is basically meaningless.
There are still quite a lot of physical types in GF Mall, generally deducting 10%, it may be better to buy them elsewhere.
Secondly, virtual items such as film and television membership and other subscription membership systems are excluded, which have too much moisture and more wild ways (including but not limited to JD.com annual card package, cloud flash payment 62 membership, Taobao Tmall membership and other combination packages, UnionPay cloud Free membership of QuickPass Unbounded Card, etc.)
Equivalent Comparison
In principle, in addition to exchanging just-needed products, cashing in cash equivalents is generally the best choice, which is easy to cash in.
For example (in the rules, the game recharge is deducted by 50%, and the entertainment recharge is deducted by 5%)
- Q coins
- AppStore EN
- JD E card
Among them, Q coins start at 100, and the deduction rate is 50%. It is directly handed over to others. For example, I directly find a friend who plays games and get 90 out of it, which is equivalent to 50,000 points to redeem 40 yuan. NetEase has a low threshold, but it is estimated that there are relatively few people using it. Q Coin Due to 20220501, Tencent has revised the Q Coin recharge discount, the previous general 30% discount has been cancelled, and the SVIP discount has been changed to 30 % off (there used to be 88, 91 , and 94% discount, and the discount limit is 500)
Secondly, if you have an Apple gift card, you can only deduct 5%, and the amount is free, ranging from 6 to 999. However, considering that Xianyu often has gift cards with a discount of about 5%, JD.com can also use Jingdou for a high proportion of deductions (also Wechat wild card), this option has little advantage, both for personal use and reselling are average
Then there is the Jingdong E card, the lowest is 100 yuan, but it is exaggerated that the 100 E card is sold for 101 and then said that it can be deducted 5%, which is equivalent to 96% off. In fact, but the official recycling in Xianyu is 94% off, and the direct transaction is generally normal. It is also 97% off, and this deduction ratio has no advantage. The same is true for Tmall supermarket cards.
Earn points
Looking at the points record, in addition to various activities, generally 1 point is earned by spending 1 yuan. If you exchange 50,000 points for 40 yuan, it is equivalent to 0.08% of the permanent cashback (but it does have a bit of mosquito legs), but occasionally There are also inexplicable multiple points and single reward activity points.
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