I didn’t apply for a credit card. Why was a card sent to me? Should I get it?

If the customer has clearly not applied for a credit card, but the bank sends the card, it is probably due to the following reasons:

1. Immediate family members such as parents, children or spouse have applied. Credit card, and then I also applied for an additional card for the customer, so I sent it together.

2. The customer previously filled out a credit card application form when handling other credit services at the bank, which was regarded as a tie-in business. Once the bank approved the application, the card was naturally sent to him.

3. My ID card information was used by others to apply for a credit card but the customer was not informed.

4. The company where I work helps employees apply for credit cards.

5. I did not apply for a card. The bank sent it to the wrong place.

Customers are advised to call the bank’s customer service directly. If they indeed applied for the card themselves or their family members or companies helped them, then just accept it. If you don't know when you applied for the card, you can apply to the bank to cancel it. It is better to apply for a credit card yourself. When you need a card in the future, you can just take the initiative to apply for it yourself to avoid any security risks.

You have not applied for a credit card, but a card has been sent to you. It is useless to reject it. It should still be in your name, because the credit cards are all real-name. It is best to ask the customer service of the card issuing bank. You can log out if you don’t need it.

If I have not applied for a credit card, someone else may have used my mobile phone number as a reserved mobile phone number, or someone else may have used my ID card to apply for a credit card.

If the card is returned, send the returned card via post office registered mail. If the returned card is in normal condition and intact, China Merchants Bank will re-send it to the latest billing address through E-mail. deliver.

However, if the card is returned via EMS and the reason for the card return is that there is no such person at the original address, the new address is unknown, the original written address is unknown, or the card is refused, the bank will not process it a second time. send. Under normal circumstances, after the card applicant rejects the card, the bank will not send it again. However, if there are special circumstances, the card applicant can also call the credit card center to explain the situation and inform the new address. The bank may mail it a second time.

In fact, whether you are ready to open a credit card or not, you can sign for it. If you face financial problems, a credit card can also be a first aid, and there will be no annual fee if the credit card is not opened.

I received a text message from China Merchants Bank. Your credit card will expire at the end of December. If you meet the renewal conditions, a new card will be issued before December 20?

Before the credit card expires, as long as the card status is normal, the bank will automatically create a new card and mail it to you. If you want to change the mailing address, you need to go to a bank branch or change the information on online banking or mobile banking. .

Why do credit cards need to be mailed a new card every few years?

Bank credit cards all have validity periods. Taking the China Construction Bank credit card I use as an example, chip cards are generally valid for 8 years, and magnetic stripe cards are valid for 5 years. There are many factors to consider when setting the validity period. For example, the service life of chips, magnetic strips, etc., the bank's card issuance policy, etc.

The bank will send a new card in advance before expiration. If the address changes, it is also recommended to contact the bank as soon as possible to update it to prevent failure to receive it. When you receive a new card, you can directly activate it and use it. The password is the same as the original card; if the original card has never been activated, the bank will not issue a new card.

That’s it for the introduction of why China Merchants Credit Card sends new cards.