First of all, let’s take a look at this car credit card. China Merchants Car Card is a gold card set specially designed by China Merchants Bank for car owners. The large card has the letter C in the shape of a car steering wheel. Instead of graphics, the small card surface adopts a special-shaped design, which fully embodies the unique and personalized color of the car card. Holding this card can also enjoy up to 5 gas rebates at designated gas stations.
Let’s take a look at how to apply for this credit card China Merchants Bank Car Card. The application conditions for car credit cards are no different from other China Merchants Bank credit cards. Applicants only need to be between 18 and 60 years old and have a stable job and You can apply if you have a fixed income and, most importantly, a good personal credit record. If you want to successfully get this credit card, you need to fill in complete and true information when applying, and if you can also provide as much financial proof as possible, it will help increase the credit card approval rate~! ! No matter it is any credit card, the bank will issue the card to you after passing the review. It usually takes about 30 days from application to card issue. This kind of waiting is a kind of torture for many card applicants. However, everyone can check the application progress through online banking, phone, WeChat and other methods about a week after submitting the application materials. After all, for most cardholders, the higher the credit card limit, the more money they can spend overdraft. Therefore, in order to be able to spend as much money as they want, many cardholders want to get a credit card with a high limit. . When it comes to the limit, we can only say that as a gold card, the limit of China Merchants Car Card is not too high or too low. It usually starts at 10,000 yuan and has a cap of 50,000 yuan. As for what it can do How high the quota is obtained is inseparable from the applicant's overall situation. The better the applicant's conditions, the stronger the financial strength, and the ability to submit sufficient proof of financial resources when applying, then a credit card with a limit of 50,000 yuan can be easily obtained. China Merchants Car Card is a gold card issued by China Merchants Bank. The annual fee for the main card is 300 yuan, and the annual fee for the supplementary card is 150 yuan. If the card is not used 6 times a year, the bank will deduct the annual fee from the cardholder's bill, and the cardholder needs to pay the annual fee for the current period when the bill comes out. It is recommended to use it 6 times a year. Buying a product worth 10 yuan in the supermarket is also considered a consumption.
After using this card for consumption, be sure to repay it on time. Many cardholders don’t know how to repay the money after using the China Merchants Bank credit card for consumption. As far as we know, there are many repayment methods for China Merchants Bank's credit cards. The most common ones are counter repayment, ATM repayment, online banking repayment, etc. You can choose any method to repay according to your preferences. No matter which method you use to apply for a China Merchants Car Card car credit card, you must repay it on the last repayment date. Otherwise, once the time is exceeded, it will be considered overdue, and the overdue credit card will be synchronized to the personal credit system by the bank, and the cardholder will It will be difficult to apply for bank credit cards and loans. If you really can't repay the loan, here is a trick to extend the interest-free period of your credit card, which is to modify the billing date of your credit card. By modifying the billing date, you can get a longer interest-free period. However, once the billing date of China Merchants Credit Card is modified successfully, it will last for half a year. It cannot be modified again within this period, so everyone must think carefully before modifying it. The above is an analysis and introduction to all aspects of this Guangfa car owner credit card. If you think it is good, please give it a thumbs up. If you think it is not comprehensive enough, please give us feedback on the questions you want to know and make up for it. I sincerely hope that this guide Can be helpful to everyone.