On June 3rd, 2002, China Merchants Bank officially issued the first international standard dual-currency credit card in China, which opened a new era of credit card consumption in China. After more than ten years of struggle and growth, China Merchants Bank Credit Card has formed three visions of "China's best payment experience provider, China's best consumer finance expert and China's leading diversified marketing platform" and won many honors at the same time.
Adhering to the business philosophy of "change for you" of China Merchants Bank, China Merchants Bank's credit cards constantly refresh the cardholder's experience of using cards, and become the leading brand in the credit card industry through product innovation and service upgrade.
In recent years, China Merchants Bank's credit cards actively seek digital transformation, forge ahead, take the lead in building the financial Internet, and create a scientific and technological legend in the domestic credit card industry.
Application conditions
(1) China residents, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18 and have full civil capacity and good credit can apply for personal credit cards with this card. MasterCard issuers can produce valid identity documents. Personal master card holders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The cardholder of the primary card can apply for cancellation of the secondary card at any time.
(2) Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons may apply to the card issuer for a unit card license issued by the People's Bank of China when opening a basic deposit account in a domestic financial institution (if applying for an international unit card, a foreign exchange settlement account is required). The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. All debts arising from the unit card shall be borne by the applicant.
(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 in accordance with the provisions of the card issuer, submit relevant certification materials required by the card issuer, and allow the card issuer to know and inquire about the applicant's credit status from any relevant department, unit or individual, and save and use relevant materials.
(4) According to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and guarantee method, determine the card receiving method and type, and approve the credit line to the applicant. Failed application materials will not be returned.
(5) The guarantee provided by the applicant includes guarantee, mortgage and pledge. The guarantee requires a separate guarantee contract. The scope of protection covers all debts incurred by the cardholder under his credit card (including but not limited to overdraft within the credit limit and overdraft outside the credit limit, cost overrun, overdue fine and recourse fee).
(6) After receiving the credit card, the cardholder shall immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card for transactions. Otherwise, the losses caused thereby shall be borne by the cardholder. Card issuers should also provide cardholders with inquiry passwords and transaction passwords (namely, withdrawal passwords and credit card consumption passwords) through designated channels.