Can China Merchants Bank credit card be repaid at other ATM machines?
CMB credit cards can be repaid using ATM cash. There are four situations for repaying CMB credit cards through ATM machines: using CMB All-in-One Card for repayment.
For cardless cash repayment, the card owner selects credit card repayment in the ATM machine - after cardless cash repayment, enter the credit card and confirm the account, follow the prompts to put in the deposit amount, and complete after confirming the amount. Repayment.
To repay with other bank’s bank card, select credit card repayment in the ATM machine – repay with other bank’s card, insert the other bank’s bank card and enter the other bank’s bank card password, and then enter the China Merchants Bank credit card used for repayment Account number and repayment amount, then complete the credit card repayment.
To use cash repayment, select credit card repayment - credit card cash repayment in the ATM machine, insert the China Merchants Bank credit card and enter the password, then insert the repayment cash, and the repayment will be completed after confirming the amount.
Benefits of credit cards:
You can earn points by swiping credit cards, and you can redeem gifts or airline miles by earning certain points;
Some credit cards are available in some places You can get discounts on consumption. For example, the ICBC credit card will regularly postpone the store information that can be discounted;
If you are temporarily unable to come, using a credit card is equivalent to a small interest-free loan, as long as you repay it during the final repayment period. There is no need to pay interest on the loan.
How to repay the China Merchants Bank credit card?
The common domestic credit card repayment methods mainly include the following categories (according to the cost):
1. Repay within the bank
The repayment methods mainly include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
2. Mobile phone repayment
Mobile phone is a personal payment terminal of mobile financial system. It can be used to repay money directly by swiping the card, and can also perform transfers and other services. Instant payment!
3. Convenience store repayment
Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.
4. Online repayment
The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
5. Inter-bank transfer
Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
6. Counter pass
Counter pass refers to the bank cards issued by various networked financial institutions, which can be used to make RMB transactions through the counters of other bank branches registered in the UnionPay exchange center host system. Current deposit and withdrawal transactions.
7. Lakala
Card holders can complete credit card repayments, mobile phone recharges, online bill payments, etc. through convenience stores, bank outlets or purchase "Lakala" device terminals business.
8. Xinfutong
The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided by China UnionPay's inter-bank information exchange network. Innovative electronic products backed by service.
9. Repayment Tong
Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
10. Smart repayment
The new industry, its main function is to use about 5% of the balance in the card to automatically cycle consumption and repayment to achieve the purpose of full repayment, charging a certain amount The basic functions include bill management, local payment, free card application, etc.
Extended information:
Credit card application conditions of China Merchants Bank
(1) Chinese residents who are over 18 years old, have full capacity for civil conduct, and have good credit standing, Foreigners and compatriots from Hong Kong, Macao and Taiwan who permanently reside in China can apply for a personal credit card master card from the card issuer with their valid identity documents.
The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply to cancel the supplementary card at any time.
(2) Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic deposit account in a financial institution within China and has independent legal person status can submit a deposit account issued by the People's Bank of China. Apply for an organization card from the card issuer with the basic deposit account opening license and other supporting documents (if you need to apply for an international organization card, you must also have a foreign exchange settlement account).
The qualification of the company card holder shall be designated and revoked in writing by the legal representative of the company or his authorized person. The applicant unit shall bear all debts incurred by the unit card.
(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 according to the card issuer's regulations and submit relevant supporting documents required by the card issuer, and agree to the card issuer's request to any Relevant departments, units and individuals understand and inquire about the credit status of applicants, and retain and use relevant data.
(4) The card issuer shall decide whether to issue a card based on the applicant's credit status, whether to require the applicant to provide guarantee and the method of guarantee, determine the method and type of card collection, and the credit limit to be granted to the applicant, etc. . Unsuccessful application materials will not be returned.
(5) The ways in which the applicant provides guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract should be signed separately for guarantee. The scope of guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest of overdrafts within the credit limit and overdrafts beyond the credit limit, over-limit fees, late fees and recourse fees).
(6) After receiving the credit card, the cardholder should 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 cardholder is responsible for any losses incurred. The card issuer also provides cardholders with inquiry passwords and transaction passwords (i.e. cash advance passwords and card consumption passwords) through designated channels.
Application information
1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card;
2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or it can be promoted A copy of the work permit/plate that has been verified by the original and marked by the employee;
3. Proof of financial resources: it can be a salary record issued by a bank, or an income tax withholding voucher, or a proof of the market value of houses, cars, deposits and investments. Documents (such as real estate certificate/car driving license/copy of bank time deposit certificate) and other materials that can prove your financial level.
4. Other documents available for reference include: social insurance personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc.
If you are a self-employed person, you can provide your individual business license and tax bills for the past three months. You can also provide other proof of your financial resources: income tax withholding certificate; self-owned real estate certificate Copies; copies of your own car driving license; bank deposit certificates and other documents that can prove your financial level.
Baidu Encyclopedia - Credit Card Repayment
Baidu Encyclopedia - China Merchants Bank Credit Card
What are the convenient repayment methods for China Merchants Bank Credit Card?
The common repayment methods for China Merchants Bank credit cards include:
1. Repay within the card-issuing bank. The payment is usually credited to the account after the system processes it on the same day.
2. Inter-bank transfer/remittance repayment. The time it takes for the money to arrive and the convenience of repayment are not as good as intra-bank repayment, online repayment, convenience store repayment and other methods.
3. For online repayment, if you choose different platforms and banks, the charging standards and specific payment arrival time will be different.
4. For convenience store repayment, it usually takes 2 to 3 working days to arrive in the account. At the same time, there is no handling fee for repayment in this way.
5. Repay over the counter and conduct RMB current deposit and withdrawal transactions.
6. Xinpaytong repayment, an innovative electronic product supported by financial services provided by China UnionPay’s inter-bank information exchange network.
7. Repayment Tong charges are generally based on the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
Extended information:
Characteristics of China Merchants Bank credit cards:
1. There are many types of cards, novel and beautiful in style, and easy to attract people;
2. The service attitude of telephone banking is very good and very convenient;
3. E-banking is associated with mobile phones and is relatively safe;
4. Every transaction has an electronic Email notifications, and text message reminders for every online transaction and general card transactions over 300 yuan;
5. Powerful online banking functions, the public version can be used directly, with the ability to query bills and details, check points, and open accounts. Cards, set online transaction limits, self-service bill installments and other functions;
6. China Merchants Bank credit card is free of annual fees in the first year. Generally, the annual fee for the next year can be waived after 6 purchases.
That’s it for the introduction of China Merchants Bank’s credit card repayment in other places.