When the credit card of China Merchants Bank reaches RMB 188, you can get the backpack in the pocket life. Steps:

1. Open the pocket life.

2. Find mine.

3, the first brush ceremony is opened.

4. Enter the password and click OK.

5. select this gift and click collect.

6. Enter the address and confirm it.

customers who meet the standards will register and receive Samsonite fashion backpack gifts through the Pocket Life APP of China Merchants Bank within two months of the month when they meet the standards. If the gifts expire, they will be invalid. The gifts will be sent according to the address selected by the customers in the Pocket Life APP within two months after the customers successfully receive them.

Extended information

Precautions for using credit cards

1. Repayment methods of credit cards

1. Within the issuing bank

These methods include: counter of issuing bank, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

2. Transfer/remittance repayment

There are two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

3. Online repayment

The common online platforms in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

Second, the credit card should be repaid in time

Cardholders should pay special attention to the last repayment date of the credit card, which is the last day of the interest-free repayment period. Before that, the repayment will be interest-free. If it is overdue, all consumption funds will no longer enjoy the interest-free repayment treatment. The bank will calculate the interest on a daily basis with the consumption amount as the principal, with a daily interest rate of .5 ‰, with a monthly compound interest and a late fee.

therefore, you should pay back in time when using credit cards, otherwise it will be overdue. Consequences of overdue:

1. There will be liquidated damages, generally the minimum repayment amount, which is 5% of the unpaid part.

2, high interest, and it is a rolling interest, and interest is very scary when there are many debts.

3. The overdue period will stain the credit record, which will lead to the inability to handle financial needs such as house purchase and loan in the next two years.

4. If it is overdue for more than 3 months and the amount exceeds 1,, the bank has failed to make several reminders, and it will not only pay back the money, but also bear criminal responsibility.

Baidu encyclopedia-credit card