How long does it take for China Merchants Bank’s credit card application to be approved?
1. After receiving the applicant’s application materials, China Merchants Bank’s credit card promotion staff will transfer them to the credit card center review department, which will collect the application materials from the review department. It usually takes 10 working days to complete the review of the applicant's application information and credit card.
2. If passed the review, the card will be printed and sent within 2 working days. A text message will be sent to notify the card of the card the next day after it is issued. The applicant can check the card 2-3 working days after receiving the text message. Shipping progress, the card is sent to the customer's billing address by registered mail by default, and the delivery time is generally within 15 days. Free express delivery for Platinum and Unlimited cards.
Extended information:
Application conditions
(1) Chinese residents who are over 18 years old, have full capacity for civil conduct, and have good credit standing, and are resident in China Foreigners and compatriots from Hong Kong, Macao and Taiwan can apply for a personal credit card master card from the card issuer with their valid identity documents.
The main cardholder can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply to cancel the supplementary card at any time.
(2) Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic deposit account in a financial institution within the territory of China and has independent legal person status can apply for a basic deposit account issued by the People's Bank of China. Apply for a corporate card from the card issuer with the basic deposit account opening license and other supporting documents.
The qualification of the company card holder shall be designated and revoked in writing by the legal representative of the company or his authorized person. The applicant unit shall bear all debts incurred by the unit card.
(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully according to the card issuer's regulations and submit relevant supporting documents required by the card issuer, and agree to the card issuer's request to any Relevant departments, units and individuals understand and inquire about the credit status of applicants, and retain and use relevant data.
(4) The card issuer shall decide whether to issue a card based on the applicant's credit status, whether to require the applicant to provide guarantee and the method of guarantee, determine the method and type of card collection, and the credit limit to be granted to the applicant, etc. . Unsuccessful application materials will not be returned.
(5) The ways in which the applicant provides guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract should be signed separately for guarantee. The scope of guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest of overdrafts within the credit limit and overdrafts beyond the credit limit, over-limit fees, late fees and recourse fees).
Baidu Encyclopedia - China Merchants Bank Credit Card [img]
How long does it take to review a China Merchants Bank credit card?
It takes 10 to 15 working days to review a China Merchants Bank credit card. If the applicant has good qualifications, it will take 10 working days to receive the approval information, while if the applicant has poor qualifications, it will take 15 working days.
Normally, after the China Merchants Bank Credit Card Center receives the application materials, it usually takes 10 working days to complete the review and approval. Naturally, if nothing unexpected happens, you will generally receive the card within 15 days of receiving the card notification text message.
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's 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 designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants
Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.
Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.
Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
How many days will it take for the China Merchants Bank credit card review results to be released?
If it is your first online banking appointment to apply for a China Merchants Bank credit card, the system will conduct a preliminary review based on the information you filled in. After the review, there will be two different situations: China Merchants Bank The specialist will contact you by phone within 4 working days to make an appointment for a visit; and send you a verification notification text message. You are required to present the text message and bring your valid ID card to any branch of China Merchants Bank within 30 days to sign and confirm the procedure. If the verification is successful, the card will be It will be mailed to you and will be received in about a week after it is sent. Warm reminder:
1. The two situations are automatically assigned by the system and cannot be selected. The final review result shall prevail.
2. If the interview time exceeds 30 days, you need to resubmit the application materials to the branch for processing. You can only apply once within 2 months of online banking appointment.
(Response time: June 5, 2020. For the latest business changes, please refer to the official website of China Merchants Bank.)
How long does it take to review a China Merchants Bank credit card?
1. It usually takes 10 working days from the time of new credit card application to completion of review, and a text message will be sent for verification (no review is required for card renewals and replacements upon expiration);
Credit card delivery: Newly issued card Or for a replacement card, it usually takes 2 working days to send the card to the billing address after the card is issued. Generally, registered mail/EMS is used, which takes about 3-15 days. If the card is not received in time or is returned, you can call the credit card hotline 5 for inquiry and processing.
Credit card progress: new application or mailing progress can be checked through online banking, mobile life, mobile banking, and WeChat banking
2. If it is the first time to make an online banking appointment to apply for a China Merchants Bank credit card, the system will Based on the preliminary review of the information you filled in, there will be two different situations after the review:
1. A CMB specialist will contact you by phone within 4 working days to make an appointment for a visit;
2. Send The verification notification will be sent to you by text message. You need to go to any branch of CMB to sign and confirm the procedure within 30 days with the text message and a valid ID card. If the verification is successful, the card will be sent to you by mail, and you will receive it about a week after it is sent.
Warm Tips
1. In the two cases, the system automatically assigns the system and cannot be selected. The final review result shall prevail.
2. If the interview time exceeds 30 days, you need to resubmit the application materials to the branch for processing. You can only apply once within 2 months of online banking appointment.
(Response time: March 24, 2020. For the latest business changes, please refer to the official website of China Merchants Bank.)
How long does it take for a general credit card review by China Merchants Bank to fail? Will they receive a text message notification if I don’t pass it?
It usually takes 10 working days for a China Merchants Bank credit card to fail to pass the review. If the credit card fails to pass, they will notify you via text message.
After the credit card center receives the application materials, it usually takes 10 working days to review. If the application is approved or not, you will be notified by text message.
Credit card application review requires a comprehensive assessment by China Merchants Bank’s credit information system, taking into account factors such as age, job stability, income, credit history, etc.
If the applicant’s work or financial information changes, he or she can resubmit the information after 3 months.
Extended information
According to the relevant provisions of the "China Merchants Bank Credit Card Regulations"
Article 9 When applying for a credit card for the first time, the applicant should follow the card issuer's regulations and correctly , fill in the application form completely and truthfully and sign it in person for confirmation, and submit relevant supporting documents required by the card issuer.
Article 10 The card issuer decides whether to issue a card based on the applicant’s credit status, whether to require the applicant to provide guarantee and the method of guarantee, determines the method and type of card collection, and approves the credit limit for the account. Account overdraft interest rate and minimum repayment ratio, etc. Application materials that have not been approved by the card issuer will not be returned.
China Merchants Bank Credit Card - Apply for a Card for New Customers
China Merchants Bank Credit Card - China Merchants Bank Credit Card Regulations
How long does it usually take for a China Merchants Bank Credit Card to be approved?
It usually takes 20 working days to apply for a CMB bank card through bank staff and bank counters; if it is processed online, it usually takes 15 working days.
Generally speaking, it takes ten working days from the day the application is received to the day the credit card is processed. After review and approval, the bank will prepare the card within two working days and send it to you by registered mail according to the billing address. The delivery time of registered mail is generally within 15 days.
1. China Merchants Bank Credit Card
China Merchants Bank Credit Card Customer Service Center was rated as “China’s Best Call of the Year” as early as 2004 at the China Call Center Operation and Customer Relationship Management Conference Center" is the only award-winning unit in the domestic financial industry. In 2002, China Merchants Bank realized integrated and professional credit card services.
2. Characteristics of China Merchants Bank’s credit card products
1. There are many types of cards, with novel and beautiful styles that are easy to attract people.
2. The service attitude of telephone banking is very good and very convenient.
3. E-banking and mobile phones are linked together and are relatively safe.
4. There will be an email notification for every purchase, and a text message reminder for every online transaction and general card transactions over 300 yuan.
5. Powerful online banking functions. The public version can be used directly. It has various functions such as querying bills and details, querying points, opening cards, setting online transaction limits, and self-service bill installments.
6. The annual fee for the China Merchants Bank credit card is waived in the first year. Generally, the annual fee for the next year can be waived after spending 6 times.
7. There is no annual fee for the China Merchants Bank Card, only an account management fee.
8. The account management fee is only for debit cards such as the China Merchants Bank All-in-One Card. If the China Merchants Bank All-in-one Card is bound to the China Merchants Bank credit card, the account management fee for the All-in-One Card will be waived, but the annual fee for the credit card will be waived. The exemption method is only valid if you consume more than six times (including six times).
9. A wide variety of activities and discounts, including Sanya and the Taotie Food Season, which cover all areas of life.
10. China Merchants Bank Credit Card launched a mobile life platform. You can use your mobile phone to buy movie tickets, recharge mobile phones, check nearby special merchants and provide discounts. More and better applications are being launched one after another.
However, China Merchants Bank's credit card also has the rule that "it is difficult to earn points. Every 20 yuan spent will earn 1 point, and no fraction will be counted", which is not conducive to points consumption.
This concludes the introduction to the China Merchants Credit Card review and how long it takes for the China Merchants Credit Card review results to come out. Have you found the information you need?