The most attractive thing about China Merchants Air China bosom friend credit card is that you can exchange points for air miles. Then, how do you exchange this air mileage? How many points can I exchange for a mile? Here is a brief introduction to the credit card points rules of China Merchants Bank, hoping to help you.
Air China bosom friend credit card is jointly issued by China International Airlines and China Merchants Bank. Pay the air ticket or more than 80% of the tour fare with Air China bosom friend credit card, and you can get a high aviation accident insurance for free! You can also accumulate air miles during the consumption process. The specific rules are as follows:
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
1, the credit card points of China Merchants Bank are obtained by swiping the card, and the single consumption is accumulated per 20 yuan or USD 2 1 point; However, China Merchants Air China bosom friend credit card consumption is not cumulative points, but cumulative mileage.
2. If there are supplementary cards, all points accumulated by consumption under the names of the main cardholder and the supplementary cardholder belong to the points account of the main cardholder and are only used by the main cardholder.
3. Use China Merchants Bank's Air China bosom friend credit card to spend, and each time you spend by credit card or borrow cash in advance 1 Air China mileage, there is no need to apply separately.
4. Redemption points can be redeemed directly through China Merchants Bank Credit Card Online Mall;
5. The basic unit of mileage redemption points is 500 kilometers or its integral multiple, and the accumulated mileage is redeemed for Air China award tickets and upgrades according to the mileage reward and redemption rules of Air China Companion Club.
How long will it take for China Merchants Air China bosom friend credit card to pass the examination?
Some card friends have taken a fancy to China Merchants Air China Zhiyin Credit Card. It has been almost a week since the application materials were submitted. I want to know how long it will take to pass the examination. Under normal circumstances, China Merchants Bank Credit Card Center will complete the review within 10 working days after receiving the applicant's information. Let's have a look.
China Merchants Bank Air China Companion Credit Card is a joint airline credit card of China Merchants Bank. There are two kinds of cards: Puka and Gold. With this card, you can accumulate Air China miles, and the cardholder can also enjoy high aviation accident insurance, with a gold card of 2 million yuan! Puka 500 thousand!
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
If you want to apply for this card quickly, you can do it online, and the processing time is very short. After the applicant's application materials are submitted to China Merchants Bank Credit Card Center, the review will be completed within 10 working days. Applicants can check the application progress at any time on China Merchants Bank Credit Card official website or official WeChat.
Some insiders said that the key to the automation of credit card approval lies in understanding the applicant's information, including:
1, personal information (such as gender, age, original income (salary amount, salary structure).
3. Working conditions (company, working years, nature of work)
4. Credit history
5. Scoring mechanism based on credit scorecard.
The above information needs to be provided by the applicant voluntarily (e.g. 1, 2, 3), and also handled by the back office of the bank alone or in cooperation with other institutions (e.g., 4, 5).
The key to quickly passing the audit is:
I. Integrity of the above information
B, whether the system has the ability to automatically complete the authenticity of the above information authentication and automatic processing.
In other words, if the applicant fills in the annual salary of one million yuan and cannot provide compliance documents, the system will not automatically process it.
How long will it take to complete China Merchants Air China bosom friend credit card?
The biggest advantage of China Merchants Air China bosom friend credit card is that consumption can automatically accumulate mileage, attracting many card friends to apply. Many card friends want to know how long it will take to get the card after submitting the application. Let's take a look.
China Merchants Bank Air China Companion Credit Card is a joint airline credit card of China Merchants Bank. There are two kinds of cards: Puka and Gold. With this card, you can accumulate Air China miles, and the cardholder can also enjoy high aviation accident insurance, with a gold card of 2 million yuan! Puka 500 thousand!
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
In general, the application for this card needs to go through the processes of personal data review, department review, card data entry, and card quota determination. For those who don't know the processing time, please continue reading:
1. Online application is a relatively quick way to apply for a credit card. The applicant only needs to input personal information such as name and address online, so it can be said that the application can be completed in one minute.
2. In the process of treatment, there will be two kinds of results. One is that individuals who apply for credit cards in banks have bad credit records. Then, this application will generally not pass, and the bank will generally give a result in 7~ 10 days, telling you that the application has not passed; The other is that the personal credit of applying for a credit card is good, so the time for him to apply for a credit card is generally 15~20 days.
3. After verification, the staff will make a card within 2 working days, and then send it by letter with the address on the applicant's application.
4. The waiting time of the letter mailing process is within 15 days.
Based on the above time accumulation, it takes less than 28 days to apply for China Merchants Bank credit card. Because the last mail is a floating value, the speed depends on the distance of the city, so the actual time will be between 18 and 28 days.
China merchants air China bosom friend credit card swipes several times without annual fee.
China Merchants Air China Yin Zhi Credit Card is favored by cardholders because it can consume accumulated air miles. Many cardholders are not only interested in how to handle this card, but also very concerned about its annual fee. Want to know how many times to swipe your card before you get rid of the annual fee? Let's take a look together.
China Merchants Bank Air China Companion Credit Card is a joint airline credit card of China Merchants Bank. There are two kinds of cards: Puka and Gold. With this card, you can accumulate Air China miles, and the cardholder can also enjoy high aviation accident insurance, with a gold card of 2 million yuan! Puka 500 thousand!
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
China merchants air China bosom friend credit card annual fee
Puka: the annual fee for the main card is RMB 65,438+000 per year, and the annual fee for the auxiliary card is RMB 50 yuan;
Gold card: the annual fee of the main card is RMB per year in 300 yuan, and the annual fee of the auxiliary card is RMB per year 150 yuan;
At the same time, China Merchants Bank introduced an annual fee-free policy. The annual fee for the first year is paid by Air China, and the annual fee for the second year is exempted after swiping the card six times a year. In addition, if the card is not activated, there is no annual fee, and the number of online payments is calculated.
Note: The annual fee of China Merchants Bank's credit card is generally determined according to the cardholder's card opening date, not every natural year. If your CMB bosom friend credit card was opened on June 5438+ 10/,an annual fee will be charged on June 5438+1 0/every year. If it is not activated, no annual fee will be charged.
If you open a card in the second year, you will receive an annual fee directly.
How to repay China Merchants Air China Yin Zhi Credit Card?
No matter what credit card it is, it must be repaid after overdraft, otherwise it will be regarded as overdue, and China Merchants Air Yin Zhi Credit Card is no exception. So, do you know how to repay this credit card? The following are some of the most common repayment methods.
China Merchants Bank's Air China Companion Credit Card is a joint credit card of China International Airlines and China Merchants Bank, which can be used to spend convertible Air China miles. In addition, cardholders can also enjoy repayment in consumption abroad and RMB. Book air tickets and deliver them to your door free of charge; It is a very worthwhile credit card to buy a plane ticket and send aviation accident insurance with a maximum of 6,543,800 yuan.
However, in the process of using this card, you must repay it on time. If it is overdue, China Merchants Bank will not only charge late fees and interest, but also affect the cardholder's personal credit record. /kloc-If there are three or more bad records within 0/2 months (three times overdue), China Merchants Bank can freeze the credit card at any time and synchronize the bad records with the People's Bank of China. Cardholders' applications for credit cards, car loans and mortgages from various banks in the next five years may be rejected.
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
So, how do you repay?
After using China Merchants Air Yin Zhi credit card to overdraw, you can repay through online banking, mobile banking and third-party payment platforms. Here is to introduce you to repay with Alipay.
The mobile phone Alipay has the function of credit card repayment, and it is very convenient to use this function to repay the credit card without paying the handling fee. The specific repayment process is as follows:
1. Open Alipay and click "Credit Card Repayment" → "Repay Now" on the homepage.
2. Enter the credit card account and repayment amount of China Merchants Air China bosom friend, and then select the payment method and repay.
Reminder: Although it is convenient and quick for Alipay to return the credit card, it does not arrive in real time. It is best for card friends to repay in the last 3 days to avoid overdue.
Is it easy to apply for China Merchants Air China bosom friend credit card? What are the requirements?
Do you know that China Merchants Air China bosom friend credit card points can be exchanged for air miles? Oh, that's how many card friends apply. So, is this credit card easy to handle? What are the requirements for applying for this card? Let's take a look together.
If you use China Merchants Bank's Air China bosom friend credit card, you don't need to apply separately for each credit card consumption or cash advance 1 Air China mileage. Redemption of accumulated miles for Air China award tickets and upgrades is in line with the rules of Air China Yin Zhi Club mileage award and redemption favored by cardholders.
In the process of applying for this card, China Merchants Bank actually looks at not only the applicant's monthly income, but also the asset status, which is also an important condition for deciding whether to grant you the card.
1. If you can provide weighty asset certificates, such as income certificates, house ownership certificates, mortgage purchase certificates, etc. Then the approval rate of applying for this card is relatively high.
Don't worry if your income is not high. If you can provide some certificates that can prove your personal ability, such as academic qualifications, technical grade certificates and other qualification certificates, it is also an option to add points to your card.
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
If you already have other credit cards, please check your personal credit record before applying for Air China bosom friend credit card. If your credit is good, you can use a card to do it.
Finally, I wish you an early application for China Merchants Air China bosom friend credit card.
The launch of China Merchants Bank Air China Companion Credit Card and China Merchants Bank Air China Companion Credit Card ends here. I wonder if you have found the information you need?