in order to obtain a better quota, users need to submit a better financial proof.
To apply for China Merchants Bank credit card, you need to be over 18 years old, have full capacity for civil conduct, and have legal and valid identification. Applicants have legitimate income and can repay the arrears on time every month.
the most important thing is that the applicant's credit information must be good. There are different ways to apply for a credit card, among which official website and the bank counter are the most commonly used.
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You can learn more about the rights and interests contained in a credit card when you apply in a bank in official website. Know under what circumstances consumption will save money after you apply. The newly applied credit card needs to be activated, and the activation method is marked on the mailed envelope.
applicants can choose one that suits them. When activating, you need to set the transaction password and inquiry password, which can be the same.
after activation, you can spend by credit card, and it is better to spend the new card step by step, so it will be easier to increase the card limit later.
a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
main features
① Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;
② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;
③ Credit card is a high-tech product integrating financial business and computer technology.
④ Credit card can reduce the use of cash and currency;
⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
⑥ Credit card can simplify the collection procedures and save social labor;
⑦ Credit cards can promote commodity sales and stimulate social demand.
financial management strategy
1. Control the number of credit cards, and enough is enough
Once the number of credit cards is too large, it is easy to get the wrong repayment date of this card and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only one or two credit cards are enough.
2. Keep the credit card voucher
Most credit card holders don't care about the voucher, and they don't keep it. Most of them just throw it away, which is a very bad habit. In fact, keeping the credit card voucher is not only convenient for summarizing the consumption records every month and then analyzing and optimizing the consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand the credit card. And many people's credit cards don't have passwords, so discarding credit card vouchers at will may lead to credit card theft.
For safety reasons, it is best to keep the credit card voucher after spending, so that you can know well and develop good credit card financial habits.
3. Reduce withdrawal
Credit cards have two functions: overdraft and withdrawal, but withdrawal requires a certain percentage of handling fees, and even if you deposit your own money in them, you will be charged. So it is not cost-effective to withdraw cash by credit card and use it as a passbook.
4. Choosing the right credit card
The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperation with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, so they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including meals, movies, trailer services, etc., with a variety of names, and you can choose freely according to your own needs. Credit cards should be used well and selected well.
5. swipe your card as much as possible within the maximum spending limit
every credit card has a limit, and you are safe to swipe your card within this maximum limit. Then, within this controllable range, please swipe your card as much as possible. Because a credit card is equivalent to having a bank pay you in advance when you buy something, so why not return it to the bank on time on the repayment date? On the one hand, it is more convenient to consume, on the other hand, it can accumulate credit, and the bank can also charge the merchant a handling fee from your credit card amount, which can be described as a win-win situation.
6. Don't repay until the repayment date
Make use of the last repayment date to earn more interest. After all, money is put in your account, and the interest generated is your own, so you should make full use of the opportunity of money in your own hands to make it generate more money. In addition, if you can't repay on the repayment date for some special reasons, please call the bank's credit card customer service hotline to explain the situation and ask for a delay of repayment for one to two days. Generally, this situation will be allowed.