<Anchor> It
is a friendly economy time.
Reporter Han Ji-yeon is with me.
Card points that expire are worth 100 billion won every year?
<Reporter>
Yes, credit card companies are announcing the points to expire six months before the expiry date through bills, text messages, and e-mails, but the amount of points to expire remains the same.
Looking at 8 credit card companies over the past 5 years, 15.24 trillion won of points are generated, of which 520 billion won are lost without use.
As you said, the average is over 100 billion won a year.
By card company, Shinhan Card had a lot of points destroyed last year with 19.26 billion won.
Hyundai Card, Kookmin Card, and Samsung Card all surpassed the 10 billion won mark, following them.
In particular, those who use the BC card should look closely to see if there are any points to throw away.
Looking at the point accrual versus decay, the BC card reached 26%, compared to single digits elsewhere.
<Anchor>
How can I use my card points?
<Reporter>
First of all, the simplest and fastest way to use is cashing. Usually, 1 point equals 1 won in cash.
Most of them can be cashed out from 1 won.
You can apply on the card company's website or app, but it's cumbersome to check each card company individually.
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You can check all at once in the 'Card Point Integrated Inquiry' operated by the Credit Finance Association and proceed with cashing.
There is no need to register as a member, and non-members only need to verify their identity.
I tried it once, and there were points over 40,000 won like that.
It was transferred directly to my bank account.
The point expiration date was a month later, but I forgot about it, and thanks to you, I earned 40,000 won.
Card points have the advantage of not being taxed even if they are converted into cash, so it would be nice to try it today (28th).
<Anchor>
What other ways are there?
<Reporter>
Yes, if you are about to travel abroad, you can change it to airline mileage, but you need to have a mileage card from the credit card company to do so, so you need to check.
Each card company, product, and airline have different rates of how much mileage per point they give, so you need to compare them.
It takes about 2 to 3 days to convert after application, so you need to think about the ticket reservation date and change it.
It can also be used to pay credit card bills, card annual fees, and installment interest fees.
You pay a lot of tax with your credit card.
Points can also be used here.
After accessing 'Hometax' or 'Card Lotax', select credit card as the payment method on the payment screen and check whether or not to use points.
In addition, it is possible to invest by financial company, depositing money into an individual retirement pension account or investing in gold.