What is China Merchants Bank’s high-end card for large customers?
Currently, China Merchants Bank can apply for the Golden Sunflower Card for customers with an average daily assets of 500,000 yuan. General remittances are free of charge, and withdrawals at China Merchants Bank outlets and ATMs nationwide are free. If the assets have reached the standard, they can also accumulate VIP boarding at the airport. Points, use the airport VIP check-in service, there may be some golf activities in different places. Customers with average daily assets of 5 million yuan can apply for a Diamond Card. In addition to enjoying the services of Golden Sunflower Card customers, there should also be some services similar to physical examination or medical care, and N-to-1 account managers. Customers with average daily assets of more than 10 million yuan can apply for private bank cards and become the highest-level individual customers. In addition to enjoying all the previous services, there are also more diverse services such as private banking centers.
Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the bank card automatic settlement system has made the dream of a "checkless, cashless society" a reality. Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether they grant the cardholder a credit limit. Debit cards are divided into debit cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions. Credit cards are further divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.
Starting from August 1, 2017, the annual bank card management fee will be cancelled, and some basic financial service charges of commercial banks will be suspended. On April 22, 2019, China UnionPay released the "China Bank Card Industry Development Report (2019)". On August 15, 2020, Baidu Company, Baixin Bank and China UnionPay launched China’s first digital bank card-Baidu Quick Pass Card. On August 31, China UnionPay released the first digital bank card “UnionPay Card”. On December 2, 2019, the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases" were adopted at the 1785th meeting of the Supreme People's Adjudication Committee and will come into effect on May 25, 2021. It is clear that if the user's bank card is stolen and proves that he is not responsible, he can claim compensation from the bank.
What is the maximum credit card limit of China Merchants Bank?
The credit limit of China Merchants Bank varies according to the type of card. Listed below:
1. The limit of China Merchants Bank credit card is between 1,000 yuan and 10,000 yuan.
2. The limit of China Merchants Bank’s gold credit card is between 10,000 yuan and 50,000 yuan.
3. The credit limit of China Merchants Bank Platinum Credit Card is generally above 50,000 yuan, and can reach a maximum of more than 200,000 yuan.
4. The unlimited card limit of China Merchants Bank Credit Card is the same as the platinum card, above 50,000 yuan, with no specific upper limit.
If customers want to check the credit limit of their China Merchants Bank credit card, they can use the following methods to check:
1. Telephone inquiry: Customers can directly call the credit card number of China Merchants Bank The service hotline is 400-820-5555, transfer to manual service, and apply to customer service staff for inquiries. After the customer service staff verifies the customer's identity, they will help with the inquiry.
2. SMS inquiry: Customers can directly use the mobile phone number reserved when applying for the card to send an inquiry application text message to 1065795555 (China Mobile) or 95555 (China Unicom, China Telecom) to inquire, and reply "#ED" Check the available limit of your credit card.
3. Mobile banking/online banking inquiry: Customers can log in to China Merchants Bank mobile banking on their mobile phone, click "My", then click "Credit Card", then click "Account Management", then click "Account" Click "Query" to query the card limit.
The steps for online banking are similar. After logging in to online banking, click to enter the personal account page, and then click "Account Management → Account Inquiry" to see the card limit.
4. Credit card APP "Pocket Life" query: Customers can log in to the China Merchants Bank Credit Card APP "Pocket Life", click "My", and then click "Credit Line" to query the credit card's fixed limit and available credit limit. Quota and other information.
How to increase the limit of China Merchants Credit Card?
Compared with credit cards from other banks, it is relatively easy to increase the credit limit of China Merchants Bank. Generally, you can apply for a credit card limit increase after more than three months, and the temporary limit can be extended. The initial purchase of the card may be 3k-10,000, but some cardholders increase their balance to 5,000,000 through one-year installments, and temporarily have more than 10,000,000. Today I will share with you how to increase the credit limit of China Merchants Bank.
1. Use multiple credit cards to make purchases
China Merchants Bank still attaches great importance to the number of purchases. The key is patience. You can use it casually for large amounts, but you must choose a merchant with points. Try to be as diversified as possible (multiple regions, multiple times, multiple merchants) and the frequency of credit card swiping must be higher. Banks can make money in the long run, and it will be a matter of time before they raise their quotas.
2. Installment
It is very necessary to install the bill in installments. The number of installments is 12, and there is no need to divide it into too long installments. The amount should be moderate, and don’t use all the card’s balance in installments!
Doing installments can earn some handling fees for the bank, which is very helpful in increasing the credit limit. Of course, one additional point is that China Merchants Bank’s bill installments basically have activities every month. You can go to Palm Life to check for details.
3. Make full use of the temporary limit
Some cardholders use tricks better and often have temporary limits. Some people are worried that after using the temporary limit, the fixed limit will not be improved. After you get the temporary quota, try to spend as much as possible. If you can't use it up temporarily, why will it be adjusted and fixed for you? Frequent adjustments and temporary quotas mean that you are still close to being fixed. So you still have to keep brushing more. Sometimes temporary and fixed time are together. You must be aware that increasing the temporary limit will lengthen the period for raising the fixed limit. The time must be mastered.
Is the unlimited credit limit of China Merchants Bank unlimited?
The credit limit of China Merchants Bank’s credit card is determined based on the information and credit status provided by the cardholder when applying. This limit is the maximum limit that the cardholder can use for overdraft consumption and cash withdrawal. Available limit refers to the unused credit limit of your credit card. The available credit will be reduced with each consumption and restored with each repayment.
Regular card: 1,000-10,000, where there is no gold card, the limit is 50,000; gold card: 10,000-50,000, city cards only have gold cards, the limit is 5,000-50,000; platinum Card: 50,000 plus temporary limit.
Basically more than 60,000, and there are also more than 200,000; unlimited card: the card is only issued to platinum card invitations, it is said to be unlimited, but there is still a limit, like the platinum card, 50,000 fixed temporary limit; Note: If For multiple credit cards issued by China Merchants Bank, the maximum credit limit of a single credit card held under the cardholder's name will be used as the credit card limit, not the sum of the credit card limits.
China Merchants Bank credit cards are divided into regular cards, gold cards, platinum cards and unlimited cards. In addition to the application information and comprehensive qualifications provided by the card applicant, the factors that affect the credit card limit of China Merchants Bank will also be The credit limit will be determined for you based on the level of China Merchants Bank credit card you applied for.
The limit for regular cards is less than 10,000 yuan. If you have sufficient application materials and a high overall score, the limit can reach up to 50,000 yuan;
The limit for gold cards is 10,000 yuan to 50,000 yuan. ;
The platinum card limit is not less than 50,000 yuan, and the China Merchants Bank Platinum Card requires an annual fee;
The unlimited card limit of the China Merchants Bank Unlimited Card is only available when the bank invites platinum card customers. You can apply, and the limit will generally not be lower than your Platinum Card limit. The most important factor affecting the limit of China Merchants Bank Unlimited Card is the asset certificate you provide. Of course, the annual fee for the China Merchants Bank Unlimited Card is also quite high.
The annual fee for the ordinary card of China Merchants Bank Credit Card: RMB 100 per card for the main card of the ordinary card, RMB 50 per card for the supplementary card of the ordinary card;
The annual fee for the gold card of the China Merchants Bank Credit Card: gold The annual fee for the Platinum Card of China Merchants Bank Credit Card: RMB 3,600 for the main card of the Platinum Card and RMB 150 for the supplementary card of the Platinum Card. RMB 2,000;
The annual fee for China Merchants Bank Credit Card Unlimited Card: RMB 10,000 per card for the main wireless card card, RMB 5,000 per card for the unlimited card supplementary card;
CMB Credit Card Elite Business Card Annual fee: RMB 300 per card for business cards, RMB 100 per card for purchase cards, RMB 50 per card.
Conditions for annual fee reduction for China Merchants Bank Credit Card
The annual fee for China Merchants Bank Credit Card is waived in the first year of opening the card.
How about China Merchants Bank’s credit card?
China Merchants Bank credit card is relatively good, with the following main advantages:
1. It is quick to apply for a card and has a high credit limit. (Shizuka Says Card A) The maximum limit of the credit card gold card can reach 50,000 yuan, and the annual fee is waived in the first year. If the cardholder reaches the specified number of swipes, the annual fee in the second year can be waived. If the new account swipe the card to meet the standards, the user can also receive gifts, and the points swiped by the card can also be redeemed for Starbucks and video memberships;
2. China Merchants Bank has many types of credit cards. China Merchants Bank has launched a Various types of credit cards, including standard credit cards, high-end credit cards, special theme credit cards, fashion credit cards, etc.;
3. Provide multiple discounts of 35% off on food, 9 yuan for movie viewing, and 10 yuan for storm;< /p>
4. Cash advance can be taken anywhere. It also provides a variety of services such as bill installment and e-loan installment;
5. Provide five layers of security.
What is the VIP high-end series credit card of China Merchants Bank?
The unlimited card is a proactive invitation-based credit card of China Merchants Bank, and its credit limit is infinite and intelligently adjustable.
On April 17, 2008, China Merchants Bank launched the credit card product "Infinite Card" which was officially launched at the Huangpu Club in Beijing. This credit card is the first domestic unlimited credit card launched by China Merchants Bank after re-dividing high-end customer groups.
The unlimited main credit card charges an annual fee of 10,000 yuan per year, and adopts an active invitation-based issuance model in China (that is, only customers who have received an invitation letter from China Merchants Bank are eligible to apply).
“Top successful people over 35 years old are the target customers of unlimited credit cards. Income is not the most important review criterion, but also depends on the applicant’s social status and other comprehensive circumstances. Because the unlimited card itself is based on identity Symbol." said a person from China Merchants Bank Credit Card Center.
Extended information:
Enjoy services
Chinese Merchants Bank unlimited credit card holders can enjoy "private and exclusive" and "respected and exclusive" services, including business travel (The most complete airline mileage redemption program in China; VIP service in airport lounges; the first domestic aviation accident insurance with the highest 30 million yuan, etc.), medical care (global medical rescue; free examinations and tumor screenings at top medical institutions, etc.), financial management (free Financial services consultation;
Private banking door-to-door services, etc.), social networking (VIP privileges at top clubs; party salons, etc.) and 200 exclusive golf tournaments at first-class clubs throughout the year, etc. The card is created for cardholders based on the starting points of "unlimited journey", "unlimited care", "unlimited taste", "unlimited professionalism", "unlimited prosperity" and "unlimited services".
At the same time, it conforms to the characteristic elements of international unlimited VIP cards (namely, high annual fee charging standards, invitation-based card issuance, and private CLUB operation). With reference to international experience, regarding the active invitation card issuance model, who will be invited has aroused everyone's curiosity and attention.