![[기하영의 생활 속 카드]’Card Point Cashing’ A to Z… “Find with point money”](https://cphoto.asiae.co.kr/listimglink/1/2021011021163218510_1610280993.jpg "[기하영의 생활 속 카드]’Card Point Cashing’ A to Z… “Find with point money”")
Card point cashing service starts on the 5th
Any individual member can apply
1 point = KRW 1, deposit in real time or the next day
[아시아경제 기하영 기자]Is there anyone in the world today who doesn’t have a credit card or two? In the modern world, it has become a world in which anyone can have a card if they choose their mind. Credit cards have brought greater convenience to everyday life. Now you can easily see people paying via credit card or smartphone wherever you go. As demand increases, cards with various benefits are pouring out, saying that the day is far away. In this regard, Asia Economy provides various stories related to our consumption life and inseparable cards through the’Cards in Life’ section every week, such as introduction of new cards, stories behind the industry, and guides for card beginners.
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Starting on the 5th, the’Card Point Cashing Service’ was launched, allowing you to cash out card points scattered across multiple card companies at once and deposit them into your account. People crowded enough that the server was down three hours after the service started. We have summarized from how to use the card point cashing service to points to note.
Where to apply… Credit Finance Association Card Point Integration Inquiry Homepage/App
The application method is simple. You can apply from the Loan Finance Association point integrated inquiry/account transfer homepage, smartphone application (app), or the KFTC’Account Info’ app. Credit Finance Association’s’card point inquiry and deposit’ app is only available on Android phones. The AccountInfo app is available for both Android and iPhone.
If you have accessed the website or app, you can proceed with the identity verification process after agreeing to the terms of use and the collection, use, and provision of personal information. The Credit Association app is one of mobile phone, card, IPIN authentication, and the KFTC app is one of bio-certification, joint certificate, and financial certificate to complete your authentication. After checking the delegation consent, you can inquire points or convert them into cash to proceed with account transfer.
The target of application is… Any individual member can
The card point cashing service can be used by any individual member holding a credit or debit card, excluding corporate members. The integrated card point inquiry/transfer service is available to Koreans and foreigners, and account info is only available to Koreans.
In the case of usage hours, the integrated card point inquiry service is available 24 hours a day, 365 days a year. Card point account deposit service is available daily from 00:30 to 23:30 excluding system maintenance hours (23:30 to 00:30). However, account info can be used from 01:00 to 23:00. Also, you can apply for account transfer only once a day for each credit card company.
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Deposit application from 1 point… Hyundai Card needs to convert H coin
The rate of cashing card points is KRW 1 per point You can also apply for direct deposit from 1 point. Points that can be deposited by account are the representative points of 11 card companies. L.POINT (Lotte Card), TOP Point (BC Card), Bonus Point (Samsung Card), My Shinhan Point (Shinhan Card), Webi Honey Money MoA Point (Woori Card), Hana Money (Hana Card), H- Coins (Hyundai Card), Point Lee (KB Kookmin Card), NH Point (NH Nonghyup Card), Citi Point (Citi Card), and Post Office Point (Post Office) are eligible. However, in the case of Hana Money, Hana Card’s Yes, Hana, and Hana Members points are all added up and integrated into Hana Money. Hyundai Card M Points can only be used by converting points to H-Coins through the web, app, and consultation center. For reference, 1M point is 2/3 H-coin.
In the case of other points, it is not possible to apply for account deposit due to the contract relationship with the point partner and the point conversion structure that is difficult to convert into cash.
When is the account deposit… Real time or within the next day
The deposit time for card points varies by credit card company. In the case of Shinhan, KB Kookmin, Woori, BC, and NH Nonghyup Cards, it is possible to process the deposit in real time after applying for card point deposit regardless of weekends or holidays.
Lotte, Hyundai, and Hana Card have a set time to deposit in real time, so requests for deposits outside of those hours will be processed sequentially from 8 o’clock the next day. Real-time deposit is available from 8:00 to 22:30 (including weekends and holidays), Hyundai Card 08:00 to 23:00 (business days), and Hana Card 08:00 to 20:00 (business days). . It should also be noted that in the case of Hana Card, real-time deposit processing is possible only for requests of 10,000 won or more. For example, if the credit card point applied to Hana Card is 3000 points, the deposit is not immediately deposited even if the application is made at 11 am on a business day, but is deposited sequentially the next day.
In addition, Samsung Card, Citi Card, and Post Office are processed the next business day (next business day) after applying for card point deposit regardless of the application time.
Cancellation of card point deposit is not possible
When the application for credit card point deposit is completed, cancellation or correction of the application is not possible. This is because when the deposit application is completed, the points are used and the deposit is processed immediately. If you want to convert the deposit amount back into points, you must contact each card company.
Reporter Ki Ha-young [email protected]
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