What is China Merchants Bank Bankcard like?

China Merchants Bank Bankcard: China Merchants Bank UnionPay single currency credit card. The picture below shows the head cutting instructions:

Function introduction of China Merchants Bank bankcard (China Merchants Bank UnionPay single currency credit card):

1. Thousands of merchants all over the world:

Not only can you enjoy super discounts at thousands of preferred merchants across the country, but you can also use them at preferred merchants in Japan, South Korea, Singapore, Hong Kong and other countries and regions.

2. Accumulate points by swiping the card, and the points are permanently valid:

The country is the first to launch the "Dream Gas Station" permanent points plan. You can easily accumulate points with China Merchants Bank credit cards while swiping the card, and the points are permanently valid.

3. Easy payment for business travel:

This credit card has the "Easy Air Ticket" service function. After confirming the itinerary, call the booking hotline of the cooperative merchant and only need to quote the credit card and validity period, you can complete ticket purchase and payment without leaving home.

4. Enjoy interest-free installments in advance:

When purchasing designated goods from installment cooperative merchants, the total price can be divided into several months and paid monthly. The procedure is just like a normal credit card payment. Consumption is just as easy and quick.

5. Intelligent limit management and temporary limit increase:

If you maintain a good consumption and credit record after holding the card, China Merchants Bank will proactively increase your credit limit on a regular basis; if If you have large consumption needs in the short term, you can also call customer service 400-820-5555 to apply for a temporary limit increase.

What type of card does the China Merchants Credit Card have a chrysanthemum on the front?

1. China Merchants Bank UnionPay Single Currency Credit Card,

2. China Merchants Bank MasterCard Credit Card,

3. China Merchants Bank VISA Credit Card

4. UnionPay Premium Platinum Installment Credit Card;

What is China Merchants Bank Smart Credit Card?

SMART is a special credit card created by China Merchants Bank for young people. The annual fee for China Merchants Bank’s SMART credit card is about 200 yuan. The first annual fee is waived, and then the next annual fee is waived as long as you swipe the card 5 times. , the longest interest-free period is 60 days, the credit limit is generally 50,000, and unlimited withdrawals can be made for free with a credit limit of 30,000.

And the biggest advantage of China Merchants Bank Smart Credit Card is that there is no handling fee for cash withdrawals whether it is local or remote, or from other banks, which is much more convenient than other types of credit cards. .

Why is China Merchants Bank’s credit card called the “King of Cards”?

The excellence of China Merchants Credit Card is mainly divided into two aspects. The first aspect is usage rights, and the second aspect is quota and financing.

As the first bank founded by a company in China, China Merchants Bank has deeply felt the pressure brought by state-owned banks since its birth, so it has determined from the beginning to become the world's largest private bank. Based on this, in terms of risk control system, China Merchants Bank has a completely different system and credit standard from other banks. The most distinctive one is the uninterrupted limit increase of China Merchants Credit Card.

China Merchants Bank is the only bank among all domestic banks that can provide uninterrupted credit limit increases. Various methods such as "45-day graduation" and "cash installment" that have been widely promoted by intermediaries can be used. The fastest way for your China Merchants Credit Card to graduate from the initial credit limit to more than 150,000 to a comprehensive financing of 50,000,000 yuan is one of the important reasons why China Merchants Credit Card is called the King of Cards.

Next, let’s first take a look at the limit increase and financing of China Merchants Credit Card. In the credit card limit increase, there are many factors that affect the card limit and subsequent limit increase. Including credit card level, credit card type, initial credit limit and even personal debt ratio, etc.

The lower the level of the credit card, the more difficult it is to increase the credit card limit and comprehensive financing in the later period. We all know that credit cards include regular cards, gold cards, and platinum cards. These are relatively common, and of course there are more advanced ones. Diamond card, black card. So for credit cards, the limit increase for ordinary credit cards is the most rare.

To break through this hurdle, we generally choose to cancel the reaffirmation or curve two cards, and reach the gold card level and above, in order to better enjoy the convenience brought by the high credit limit, and China Merchants Bank Credit Card Not restricted by this rule, credit cards of any level can reach a limit of more than 15W.

There are also different types of credit cards. The more low-end the cards, such as game co-branded cards and business and supermarket co-branded cards, the more difficult it is to increase the credit limit and comprehensive financing in the future. The more high-end the business-type card, the more powerful the limit increase will be in the later period. All banks follow this rule, but investment promotion is still an exception.

Any card type offered by the merchants can achieve perfect graduation, as well as the initial limit of the card, the potential of a credit card to increase the limit in the later period, the difficulty of increasing the limit in the later period, and the initial limit of the card. The limit has a great relationship. The lower the card limit, the more difficult it will be to increase the limit later, but investment promotion is still an exception.

In other words, as long as you have a China Merchants Credit Card, no matter what card type, any initial limit, or any level, you can quickly graduate to full credit. This is one of the reasons why China Merchants Credit Card is called the King of Cards.

Pictures of China Merchants Bank Gold Credit Card?

As shown below, the three types of gold credit cards of China Merchants Bank.

The conditions for applying for the China Merchants Bank Gold Credit Card are:

1. Domestic persons must be between 18 and 60 years old, and overseas persons must be between 25 and 60 years old;

2. Have a stable income and job, generally requiring a monthly income of more than 4,000;

3. Have good credit.

In addition, when applying for a credit card, you also need to provide proof of identity, work, financial resources and other materials. Generally, the more financial proof you submit, the higher your gold card limit will be.

Extended information:

1. Annual fee for China Merchants Bank Credit Card Gold Card

The annual fee for China Merchants Bank Gold Credit Card is 300 yuan. The annual fee is waived in the first year, and the card is swiped that year. 6 times free of annual fees for the following year.

2. China Merchants Bank Gold Card annual fee reduction

When using a China Merchants Bank credit card, no matter what level of credit card it is, such as gold card or ordinary card, in the first year of use, it is No annual fee. However, if you want to reduce the annual fee of the credit card, you can swipe the credit card six times in a year, and China Merchants Bank can reduce the annual fee of the gold card for the next year.