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Note: The following is part 2 of a 5 part series, Over the course of these 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and...
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How Credit Card Points are Earned
Credit card companies offer varying benefits and promotions to
entice their customers to use their credit cards not only in
their everyday purchases but also for major buying decisions.
One of the promotions that credit card companies have is the
rewarding of points to their users for every purchase that they
make.
Different credit cards have different product features, benefits
and ways of providing rewards to their users. A frequent
traveler credit card that is made available in the market to
those who are frequently flying can avail of the rewards points
their card companies provide to them by converting these rewards
to frequent flyer miles. These frequent flyer miles is then
converted to actual miles that can be redeemed from airline
companies that is co-sponsoring the credit card promotions with
that credit card company. The frequent flyer miles are not
always equivalent to the actual miles required to travel to
particular destination. Some credit card companies reward the
credit card user with 1 flyer mile for every dollar spent on his
purchases. Different purchases mean varying reward points.
Retail companies that may also co-sponsor those credit cards
available in the market today may have higher reward points
equivalent for purchases made on those credit cards to promote
the sales of their products too.
Citing the
frequent traveler credit card rewards system for
example, a card user who purchases groceries, gas or technically
his daily purchases, may have an equal travel reward points
awarded to him for every dollar he spends on his regular
purchases. On the other hand, should he ever buy plane tickets
from an airline company co-sponsoring the credit card he's
using, the reward points that he may earn may be higher as this
is also one way to help promote the airline company's latest
promotions or travel packages.
Once an individual credit card user has accumulated enough
points from his purchases, he may then redeem them for
equivalent rewards. The higher the accumulated points, the
higher the value of the reward he may redeem. Appliances such as
a big flat screen tv or electronic gadgets such as a notebook PC
are some of the possible rewards that credit card companies may
offer their users when they redeem their rewards points. For
smaller accumulated rewards points, a not so frequent credit
card user may also redeem their points for rewards of smaller
value such as a personal wall clock or a desk calculator. Credit
card companies have different rewards for various points
accumulated on a specific time period.
About the author:
More information about credit and credit cards is available at
stooze online
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