What is the use of China Merchants Bank student card?

1. After the user successfully applies for a China Merchants Bank credit card, he or she can enjoy the overdraft limit provided by the credit card.

However, it should be noted that the overdraft withdrawal limit of the credit card applied for by students is limited. The China Merchants Bank campus credit card is relatively good for college students. After successfully applying for the credit card, users can enjoy the benefit of free handling fees for the first two withdrawals every month.

Although it is difficult to accumulate CMB points, the things that can be redeemed are relatively good. After successfully accumulating credit card points, users can choose the products they want to redeem in Palm Life. What users need to understand is that student credit cards are only for students in school, while ordinary credit cards are different. Anyone can apply for an ordinary credit card as long as they pass the bank's review.

2. Functions of the card for college students:

Free remittance to other places: Parents can deposit cash in other places and withdraw money locally without paying any handling fees.

Accumulated points for consumption: When you use a credit card for consumption, you can accumulate points from the corresponding card-issuing bank. Points can be redeemed for goods. The specific accumulation rules and redeemable goods vary depending on the card-issuing bank.

Establish a credit record: A good credit record will make it easier to apply for housing loans or other consumer loans in the future.

Consume first and repay later: After swiping the card for consumption, the bank will collect the payment 20 to 50 days later, during which no interest or fees are required.

Instalment payment shopping: When purchasing your favorite big-ticket items such as computers, you can apply for credit card installment payment, with terms ranging from 3 to 24 months.

3. What information is generally required to submit when applying for a college student credit card?

Generally, you are required to provide a copy of your ID card, student ID card or original certificate from your department. Some banks may also require you to present other cards issued by the school.

4. What kinds of credit cards are there for college students?

There are seven types of credit cards for college students, including the "Peony Student Card" issued by the Industrial and Commercial Bank of China, the "Dragon Card College Student Card" issued by China Construction Bank, the "Youka" issued by the Agricultural Bank of China, and the "Youka" issued by China Merchants Bank. "Young Card", "Fantasy Card" issued by Guangdong Development Bank, "I Card" issued by China CITIC Bank and the campus version of China Merchants Bank's League of Legends Credit Card that is being issued.

What is the limit of China Merchants Bank’s student credit card?

The minimum limit of China Merchants Bank’s student credit card is generally 2,000 yuan and the maximum is 10,000 yuan, but the final result depends on the applicant’s specific situation. The credit card limit is determined based on the evidence provided by the applicant. If the applicant's personal qualifications are better, the credit limit will be correspondingly higher. In addition, if the cardholder has a good card usage record, China Merchants Bank will increase the fixed limit for the cardholder from time to time.

Currently, most credit cards issued by China Merchants Bank for school students are YONG cards, and the general authorization limit is 3,000 yuan (because college students generally have no source of income). The limit for online processing is 3,000; if applied offline, the bank credit card limit will be adjusted based on the personal wishes and personal circumstances of the card holder, and will generally fluctuate between 3,000 and 5,000. Cards are sent by registered mail directly from China Merchants Bank headquarters and will arrive approximately 3-5 working days after approval. Young Card Campus Edition: An exclusive credit card for college students. To apply, you only need to provide proof of enrollment. Like the academic requirements for the youth version, applicants for the campus version of the Young card must be college students. Unlike credit cards issued by most banks, the youth version of China Merchants Bank Young Card does not charge handling fees for the first cash withdrawal every month. This is the most important thing for young people. After all, cash must be taken out on many occasions.

China Merchants Bank YOUNG Card is almost the most attractive credit card among domestic banks at present, which shows that China Merchants Bank keeps up with the trend of the times and sincerely interacts with young people.

China Merchants Bank's student credit card limit generally has a minimum limit of 2,000 yuan and a maximum of 10,000 yuan. However, the credit card limit is ultimately determined based on the applicant's specific situation and the certificates provided by the applicant. If the applicant's personal qualifications are better, the credit limit will be correspondingly higher. If applied offline, the bank credit card limit will be adjusted based on the personal wishes and personal circumstances of the card holder, and will generally fluctuate between 3,000 and 5,000.

How to apply for credit limit for China Merchants Bank student credit card

Operating environment:

Brand model: iPhone13

System version: iOS15.3

App version: v8.5.11

1. Open China Merchants Bank’s mobile app for credit card management, Pocket Life, and log into Pocket Life with the credit card account to be opened.

2. Click "My" in the lower right corner of the page and select "Student Quota Activation".

3. Enter the required parental consent information and click "Send SMS".

4. If you want identity verification, enter your personal information for identity verification.

5. The identity verification is successful, the parents reply to the text message, and the system can then place a quota after a comprehensive evaluation.

1. Types of CMB student credit cards

In 2019, the joint student credit card launched by China Merchants Bank and Xiaomi is unique in terms of card design and usage rights. Full of sincerity. In fact, this is just a representative of CMB’s student credit cards. CMB’s student credit cards also include HELLOKITTY Pink Romantic Campus Card, CMB League of Legends Riven Card Campus Edition, YOUNG Card Campus Edition, etc.

2. Application for China Merchants Bank student credit card

To apply for China Merchants Bank student credit card, the information you need to prepare is very simple. You only need your ID card and student card to complete the application. Currently, there are four ways to apply for a student credit card at China Merchants Bank:

1. To apply for a China Merchants Bank credit card, students can also complete a preliminary appointment through the official website, WeChat official account and WeChat applet. After the appointment is completed, they will receive the preliminary review results from China Merchants Bank. If the preliminary review is successfully passed, the results will be issued soon. Someone will come to apply for the card.

2. To apply for a China Merchants Bank credit card, applicants can make an appointment to apply for a card by phone - call the 4008205555 service hotline and press 3# to enter "Apply for Credit Card".

3. To apply for a China Merchants Bank credit card, the applicant can bring his/her identity document and student ID card to any major business outlet of China Merchants Bank to apply for the card.

4. China Merchants Bank credit card campus promotion activities. Campus promotion activities are usually held at the beginning of school or during some major festivals. CMB staff will assist throughout the process, making it more convenient to apply for a credit card.

The China Merchants Bank student credit card has many benefits, types, and application methods. However, one thing that the majority of student parties need to pay attention to is that if a freshman on campus applies for a credit card, the CMB student credit card can only be processed after the freshman has completed registration. to apply.

What are the conditions for credit card application? Although the credit card application conditions of each bank may be slightly different, the above are the basic conditions for applying for a credit card. China Merchants Bank JCBKITTY Tangzhuang Card, in addition to providing credit card functional services and functional services of the international brand JCB, the card also takes advantage of the card surface update to strengthen exclusive services, and the Hello Kitty gifts that can be exchanged for credit card points are richer. In addition, China Merchants Bank JCBKITTY Tangzhuang Card has won the hearts of countless KITTY fans due to its super fast card application speed.

Is there an annual fee for the China Merchants Bank student credit card?

The China Merchants Bank student card is free of annual fees in the first year. If you use it 6 times in the first year, the annual fee will be waived in the second year. By analogy. The annual fee for a China Merchants Bank credit card is RMB 100 per year for a regular card and RMB 300 per year for a gold card. The annual fee is charged once a year. If you apply for 2 cards or additional cards at the same time, the annual fee for the second card or additional card will be 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period below the credit card, the previous date is the issuance date), not the calendar year.

Annual fee-free policy for China Merchants Bank credit cards:

Annual fee-free policy: Swipe the card 6 times for the Standard Gold Card to waive the annual fee for the following year (MSN package card, VISA-MINI card, VOGUE Titanium Card, NBA Credit Card (applied before April 2008), (Platinum Card, Unlimited Card do not enjoy this annual fee exemption, business credit card needs to be implemented according to the agreement)

Cash withdrawal handling fee. : Domestically, the minimum charge is RMB 10 yuan/transaction at a rate of 1% of the amount of each cash advance transaction (from January 2009); overseas, the minimum charge is USD 3 yuan/transaction or RMB 30 yuan/transaction at a rate of 3% of the amount of each cash advance transaction. (It will be collected immediately upon withdrawal, regardless of the same city or different location)

The maximum interest-free period is 50 days. The final repayment date is 18 days after the bill date.

More Account management: Enjoy the daily average limit of bill repayment

Online payment: Alipay: single limit 499.99 yuan, Taobao credit card payment function is not limited by the amount, the maximum credit card limit in a single day (other websites). Depends on the limit of each merchant)

Merchant installment business: (excluding credit limit) supports interest-free installments (3, 6, and 12 installments) for specific merchants.

Bill installment: Supports RMB and USD bill installments (including installment of unbilled transactions and issued bills). When applying for RMB bill installments, the minimum application amount per time is not less than RMB 300; when applying for USD bill installments, the minimum application amount per time is no less than RMB 300. Less than US$100. It can be processed through customer service hotline, online banking, interactive SMS, ATM, mobile banking, PAD banking, mobile life and other application channels between the day after the billing date and the final payment date.

Billing dates: The 3rd, 5th, 7th, 10th, 12th, 15th, 17th, 20th, 22nd and 25th are the billing dates. Cardholders can change the card type every six months.

: Regular card (limit of 3,000-50,000 yuan), gold card (limit of 10,000-50,000 yuan), platinum card (limit of more than 50,000 yuan)

Currency: RMB, RMB/USD

If the credit card you applied for has not been opened, the card will automatically expire after expiration, and the customer will no longer be able to renew the card. If you do not need a credit card, you can also call the China Merchants Bank credit card customer service hotline 4008205555 to transfer the service specialist to cancel it. Cancellation is free.

What is the use of the China Merchants Bank student card?

The student card has functions such as work card, library card, bus card, dining card, access card, wallet, and passbook. In one. Every teacher and student in the school has a student card. This card replaces all or part of the functions of various previous documents (including student card, work card, library card, medical card, access card, etc.). Students can enter and leave the school. Work, activities and consumption can only be carried out with this campus card, and the "campus card" can be used to realize self-service deposits. The "campus card" realizes the management of the daily activities of teachers and students, and provides teaching, scientific research and logistics services. important information. Campus card is not a simple consumption card, it can fulfill various purposes in campus management.

Campus management functions:

The all-in-one card is used for both on-campus consumption settlement and identification, and will gradually replace dining cards, library cards/cards, boarding passes, examination passes, etc. On-campus ID card. The school gives the campus card the only electronic wallet consumption settlement method on campus, and it is also the only medium for electronic identification in the campus information management system.

Financial service functions:

Students holding a debit card specially designed by the bank can realize various services of the bank card, including at all bank branches and UnionPay ATMs. Withdraw money and make purchases at POS machines in commercial, catering and entertainment venues with the UnionPay logo.

Students and their parents can make full use of the banking industry’s nationwide deposit and withdrawal service to deposit students’ living expenses, tuition and miscellaneous fees, etc. directly into campus cards in other places, eliminating the need for students to carry cash and parents to remit monthly remittances. and the inconvenience of students withdrawing money each month.

Self-service inquiry:

In order to enable students to understand the usage of campus cards at any time, multimedia self-service inquiry terminals are placed at the school gate, dormitory areas, libraries and other places with high traffic. It can complete self-service inquiries about comprehensive information such as campus card account balances, transaction details, scholarships, loans, and borrowed books. With one card in hand, you can complete many functions such as consumption, transfer, inquiry, and recharge in various places on campus

Generally, you need to hold a student ID card to apply, and an annual inspection is required at the end of each year, otherwise it will be reverted to an ordinary bus card. Student mobile phone cards include M-Zone, Youth Story, etc. Campus student cards have been digitized. Many schools have issued student cards. Money is stored in the student card and can be used to pay for most or all consumption on campus. This kind of student card is equivalent to the bank card on campus, and in actual use, it is often directly linked to the student bank card.

The differences between China Merchants Bank student credit cards and ordinary credit cards:

1. The overdraft withdrawal limit is limited. The overdraft limit is very limited, for example, it can only be an overdraft of ten yuan, because the student has no income and no ability to repay debts. For ordinary credit cards, the credit limit will be comprehensively assessed based on the applicant's income and other repayment capabilities. The minimum overdraft can be a few thousand, and the maximum overdraft can be tens of thousands or hundreds of thousands.

2. Different card types. Student credit cards are only for students in school, while ordinary credit cards are different. Anyone can apply for an ordinary credit card as long as they pass the bank's review.

3. There are limited banks that support student credit cards. They include the "Peony Student Card" issued by the Industrial and Commercial Bank of China, the "Dragon Card Student Card" issued by China Construction Bank, the "Youka Card" issued by the Agricultural Bank of China, the "Young Card" issued by China Merchants Bank, and the "Fantasy Card" issued by Guangdong Development Bank. Card", the "I Card" issued by China CITIC Bank and the campus version of the China Merchants Bank League of Legends Credit Card that is being issued. There are no bank restrictions for ordinary credit cards. You can choose the bank you need to apply for according to your preferences.

What are the conditions for applying for a China Merchants Bank student card?

If you are a current student and have never applied for a China Merchants Bank personal credit card, you can try to enter the campus version area through the China Merchants Bank Credit Card official website and apply for a campus version credit card. After passing the preliminary review, you can use the notification text message and bring your ID card to any CMB branch in the city where your school is located to go through the signature confirmation procedures without submitting other supporting documents. For example: League of Legends Credit Card Campus Edition is a credit card product launched for college students. Before graduation, the credit limit will be temporarily sealed. By recharging first and then spending, cardholders can normally enjoy dining discounts, movie ticket discounts, points accumulation, etc. Credit card benefits, and you can also enjoy the exclusive benefits of the campus version of the credit card such as specific fee exemptions. You can also start accumulating personal credit information records from the time you are studying. If you switch to a card after graduation, you will have the opportunity to enjoy a higher credit limit. Installments are temporarily unavailable, and there is a cash advance function.

That’s it for the introduction of China Merchants Bank Credit Card Student Card.