What does it mean to be pre-approved by China Merchants Bank?
If you apply for a credit card through the counter, it usually takes 10 working days from the time the review department receives your application information to the completion of the credit card review. This process is pre-review, also called preliminary review. After passing the review, we will make a card for you within 2 working days, and then send it to you by registered mail according to the billing address. Generally, the sending time of registered mail is within 15 days.
If you register via online/mobile phone appointment, our bank requires 7 working days for the preliminary review. If the preliminary review is passed, there are three situations: 1. The specialist will contact you by phone within 4 working days to arrange on-site application. card, 2. Send you a text message and ask you to go to any CMB branch for an interview within 30 days, and then issue the card after passing the interview; 3. Issue the card to you first, and within 60 days, you can go to any CMB branch for an interview and then activate the card.
(Response time: June 14, 2019. For the latest business changes, please refer to the official website of China Merchants Bank)?
What does it mean to apply for a credit card and be pre-approved
No, it means that after passing the preliminary review, you still need to go to the branch for an interview and then submit it to the head office for review.
What is the meaning of pre-screening and review of Minsheng Credit Card?
Generally, when applying for Minsheng Credit Card online, pre-screening is to determine whether the information filled in by the applicant meets the requirements and then send the card to the applicant. Review means that after the cardholder receives the credit card, the cardholder is generally required to bring the relevant information required by the card issuer in the text message and go to any outlet for an interview within the specified time. After the face-to-face review, the card can be opened, activated, and set up with a password.
"Minsheng Credit Card Regulations of China Minsheng Bank" Minsheng Credit Card Application Procedures
Article 9
Individuals and entities should be correct, complete, and Complete the application form truthfully and submit the relevant application materials required by the bank, and sign the "China Minsheng Bank Credit Card Acceptance Agreement" with the bank.
Article 10
The Bank will decide whether to issue a credit card to the applicant and determine the credit limit based on the applicant's credit status.
Article 11
If the Bank deems it necessary, it may require the applicant to provide a specified form of guarantee or deposit a certain amount of deposit.
Extended information
The functions of Minsheng Bank’s credit card are as follows:
1. Dual-currency credit card allows cardholders to travel around the world.
Minsheng Dual Currency Credit Card has dual accounts in RMB and USD, with automatic conversion of domestic and overseas settlements. Overseas consumption payments can be made in both currencies, allowing cardholders to experience the convenience of global travel.
2. Revolving credit, advance consumption and convenient financial management.
Minsheng Credit Card will flexibly grant credit limits based on the cardholder's credit status. You can consume within the credit limit first and repay later, and enjoy an interest-free repayment period of up to 51 days. During holidays and when customers go abroad, Minsheng will take the initiative to increase the temporary limit for customers, and will also actively increase the limit for customers who continue to use their cards in good condition.
3. People’s Livelihood 1 1. Smart repayment saves time and worry.
You only need to apply for a Minsheng Savings Card (i.e. debit card) as a Minsheng Bank credit card automatic repayment account. The card center will automatically transfer the money from the savings card account to the credit card account on the final repayment date. Used for current period repayment, eliminating the trouble of not having time to repay in busy work life.
4. Customer service hotline, listening to the needs of cardholders 24 hours a day.
Minsheng Credit Card’s 24-hour customer service hotline provides comprehensive and convenient services anytime and anywhere.
5. Cash advance can help cardholders meet their unexpected needs.
Use Minsheng Credit Card to easily withdraw cash at ATMs with the UnionPay logo in China and VISA or MasterCard logo overseas to meet your emergency needs.
6. Report the loss by phone to avoid the risk of theft in time.
If you find that your Minsheng Credit Card is lost, please call the Minsheng Credit Card customer service hotline immediately to report the loss.
After the credit card loss report takes effect, the credit card risks incurred by transactions other than the cardholder's own will be borne by Minsheng Bank, and the card center will issue a new card to the cardholder as soon as possible upon the cardholder's request.
7. Optional signature/password to ensure safe use.
Minsheng Credit Card has the optional function of swiping the card with signature or signature plus password, making cardholders' credit card use more flexible and safer.
8. SMS transaction confirmation allows cardholders to feel at ease when using their cards.
Minsheng Credit Card has a transaction SMS notification function. Cardholders can receive SMS notification services for all transactions so that they can keep track of changes in their credit card accounts.
9. Combine points to redeem more surprises.
Minsheng has launched a points accumulation system for cooperative merchants. The consumption points at Minsheng's many well-known partners can be accumulated together, so that cardholders will have the opportunity to redeem more exquisite gifts or airline miles.
China Minsheng Bank Credit Card Center--China Minsheng Bank Minsheng Credit Card Regulations
Baidu Encyclopedia--Minsheng Bank Credit Card
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