Can be used after activation.

1. Can the credit card applied for by China Merchants Bank be used immediately?

If you are applying for the first time, you can only make an appointment online to apply. Our bank will complete the initial review within 7-10 working days, and will contact you to apply for the card after passing the application. Or notify you to go to the branch for an interview. After the interview, it usually takes 10 working days for review. After the review is passed and the card is sent, the customer will be reminded by text message. Generally, you can receive the card within 15 days after receiving the card notification text message. Once you receive the card, you can activate it and use it.

2. Credit card application conditions

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Generally speaking, the conditions for opening a credit card are:

1. Be over 18 years old and have full capacity for civil conduct;

2. Have legal status Stable income and job;

3. No bad personal credit record.

As long as users meet the above application conditions, they can apply for a credit card from the bank. After the bank approves the application, the credit card will be sent to the applicant by registered mail. After successful activation, the credit card can be used for consumption.

If you apply for a China Merchants Bank credit card, you need to be between 18 and 60 years old. If you can provide an ID card (the temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book), proof of work You can try to apply with proof of income. If you apply for a car card, you need to attach a copy of the driving license in your name. If the local branch has clear regulations, the local branch regulations need to prevail. The issuance of the credit card is subject to the final review result. allow.

If you only have an ID card or are not old enough, you can apply for an additional card for immediate family members (immediate family members are parents, children, and spouses).