A data acquisition method for credit card bonus point monitoring technology, and a prompting system in the field of intelligent finance. The method comprises: recording the current credit card bonus point information of a user and set credit card bonus point information (S101); determining whether the current credit card bonus points are higher than the set credit card bonus points (S103); if not, determining that the bonus points of the user are not enough for gift redemption or purchasing, and not sending information for prompting the user to perform bonus point redemption, for example, purchasing (S104); and if yes, sending the information for prompting the user to perform bonus point redemption, for example, purchasing, and sending technology usage data to a data acquisition end preset by the manufacturer (S105). The present solution can improve the utilization efficiency of credit cards and increase credit card earnings of banking and financial institutions. Meanwhile, by means of timely feedback after the technology is used, the manufacturer can also conveniently, timely, and effectively acquire usage information of the related technology.
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