One-card associated automatic repayment is exempt from the management fee of one-card account

If one-card associated automatic repayment service of China Merchants Bank has been opened, you can apply for using one-card associated automatic repayment service of China Merchants Bank, and deduct the credit card payment from your designated one-card

current account every month, and your available amount can be restored on the day of deduction. Now you can apply for a one-card account management fee.

◇ One-card-related automatic repayment method can only use the one-card of the main cardholder of the credit card as the repayment account of the credit card, and the ID number and account name of the one-card and the

credit card must be exactly the same.

◇ You can choose your own repayment account in RMB or USD. The RMB repayment account must be a current account; The repayment account in USD can be selected as USD

current cash account or USD current cash account.

◇ The automatic repayment amount associated with one card can be fully repaid or the minimum repayment amount can be selected.

◇ Application method:

When applying for a credit card, check the automatic repayment field associated with one card on the application form to enable the automatic repayment function associated with one card;

Counter application: You can go through the opening formalities of automatic repayment with one card and credit card at the business outlets of China Merchants Bank

95555 Telephone banking: dial the 95555 customer service hotline, select Voice Service, press "1" and then "3", follow the prompts, and

directly set the automatic repayment account with one card.

8 customer service hotline: call the 24-hour customer service hotline at 8-82-5555, press "5" first and then "2", and directly set the automatic repayment account associated with one card on the phone

;

online application: if you have applied for the version of "China Merchants Bank Personal Banking Professional Edition (Version 4.5)" or above, and your credit card has been closed

, you can set the automatic repayment account number associated with one card in the "Credit Card Automatic Repayment Settings" menu in "Credit Card".

◇ Note: After the automatic repayment function associated with one card comes into effect, your

account number associated with one card will be listed on your statement for the current month. The bank will deduct the credit card account of the current month from the account designated by you on the due repayment date, and you don't need to repay it yourself; And

please check whether the balance of your account is sufficient before the due repayment date, so as to avoid delaying payment; If your account balance is insufficient, the balance of

account will be deducted to "" yuan, and the rest will not be deducted separately. Please repay it to your credit card account.

online transfer repayment

if you have opened a China merchants bank card, you can repay your credit card account through online banking, and the transfer money will restore your credit card available limit in real time

.

(1) if you have applied for the "personal banking professional edition" on the one-card network, you can use the "transfer in the same city" function to transfer money to any China merchants bank

to repay RMB accounts. Please log in to Personal Banking Professional Edition → select "Transfer in the same city" in "Transfer and Remittance", with the following details:

Payee's account name: credit card holder's name

Payee's bank: China Merchants Bank Credit Card Center

Transfer to Payee's account number: 16-digit credit card number

Remarks: Credit card repayment.

new function in professional edition: the function of "payment plan" in "financial plan" has been added in professional edition 4.5, which can help you to set the plan of expected daily payment

. In this function, you can select "payment on specified date" → select the date to be repaid → select "transfer in the same city", and fill in the payment information as above. This function makes repayment more convenient and financial management easier.

(2) If you have launched version 4.5 or above of Personal Banking Professional Edition on the one-card network, and handled the self-help transfer business of one-card and credit card, you can use the "credit card payment" function to transfer payment from your USD cash account to your own credit card account.

(3) If you have opened a one-card card of China Merchants Bank and handled the self-service transfer business of one-card and credit card, log on to the website of China Merchants Bank, and

you can repay your own RMB or USD credit card account through the "Transfer to Credit Card" function in the "Personal Banking Popular Edition" self-service transfer.

◇ Note: To apply for self-service transfer, please bring your ID card, one-card account and credit card to any branch of China Merchants Bank where the one-card account is opened. To apply for Personal Banking Professional Edition, please bring your ID card and one-card to any branch of China Merchants Bank.

repayment by telephone transfer

if you have opened a China merchants bank card, you can call 95555 to repay the credit card account through telephone banking. Transfer money to restore your

credit card available limit in real time.

1) apply for "quick and easy financial management" service, that is, you can transfer RMB money from your one-card to your designated credit card

account through automatic voice service or manual service. How to use "quick and easy financial management": dial "95555"-select "automatic voice" service-press

"6" to enter "quick and easy financial management" function; Or dial "95555"-press "2" to enter "labor service"-press "1" according to the prompt-press

"1" again to enjoy the distinguished service.

2) Enable the self-service transfer function of one-card and credit card, that is, through the automatic voice service, select

"One-card to Personal Credit Card" in the one-card transfer service, and transfer money to your credit card to return RMB or USD.

◇ Note:

To apply for the "quick and easy financial management" service and self-service transfer function, please bring your ID card, one-card account and credit card to any branch of China Merchants Bank

where the one-card account is opened.

repayment by self-service deposit machine (CDM/CDS)

You can use the automatic deposit machine (CDM/CDS) at any branch of China Merchants Bank to insert a credit card and repay the RMB account with RMB cash. Payment will restore your credit card available limit in real time.

repayment by ATM transfer of our bank

If you have opened a China Merchants Bank Card and the ATM third-party transfer function has been enabled on this card, you can transfer the payment to the credit card at any ATM machine of China Merchants Bank in the place where you open the card. Transfer money to restore your credit card available limit in real time. When paying, please insert a smart card and select "Transfer Transaction". The transfer account number is your credit card number.

◇ Note: To open the ATM third-party transfer function, please bring your ID card and one-card to any

branch of China Merchants Bank where the one-card account is opened.

Counter repayment of China Merchants Bank

Credit card RMB account and US dollar account can be repaid, and US dollar repayment can only be transferred from cash account). You can take a credit card and go to the branches of China Merchants Bank in cash before the due repayment date. If you already have a card or current passbook of China Merchants Bank, you can also repay the credit card account by transfer.

inter-bank transfer in the same city and remittance in different places

At the counters of other banks, you can repay your credit card by transfer or remittance.

◇ Inter-bank transfer in the same city: If China Merchants Bank outlets have been set up in your locality, when you transfer money at the counters of other local banks, you should fill in

in the following way:

[ A list of the main business outlets of China Merchants Bank is attached to the Card Usage Guide. ]

◇ Remittance from other places: If there is no outlet of China Merchants Bank in your place, you can repay the loan by remittance at the counters of other banks. When remittance, please fill in the following methods:

◇ Note: Please consult the transfer-out bank for foreign exchange management regulations on US dollar transfer business. Please refer to Zhuan

Travel for specific transfer time and handling fee.

Repayment by purchasing foreign exchange

Except for transactions prohibited by national laws, the US dollar bills generated in consumption abroad or by withdrawing foreign currency cash can be repaid by purchasing foreign exchange in RMB.

◇ You can choose to purchase foreign exchange in full, or you can choose the minimum repayment amount or any amount lower than the current bill amount.

◇ Application method:

Telephone voice application: Call the toll-free service hotline of China Merchants Bank Credit Card Center at 8-82-5555, press "5" first and then "1", and set the foreign exchange purchase directly on the

phone;

online application: if you have applied for the version of "China merchants bank personal banking professional edition (version 4.5)" or above, you can set the foreign exchange purchase settings in the menu of "credit card foreign exchange purchase function settings" or "modify foreign exchange purchase amount in the current period" in "credit card"

;

◇ Note:

After the application for foreign exchange purchase is successfully set, the bill amount in US dollars can be repaid in RMB, and the RMB money deposited in your credit card will be used to repay the overdue part of your minimum repayment amount first, and then used to purchase foreign exchange until you have fully purchased the foreign exchange purchase amount you set.

according to foreign exchange management regulations, the amount of foreign exchange purchased cannot be higher than the current dollar bill amount.

unionpay ATM inter-bank transfer

China merchants bank credit card has opened unionpay ATM inter-bank transfer business, providing you with more professional financial services anytime and anywhere. Opened cities include: Beijing, Shanghai, Guangzhou, Shenzhen, Xiamen, Wuhan, Nanjing, Shenyang, Hangzhou, Tianjin, Dalian, Fuzhou, Jinan, Kunming, Chongqing, Changsha and other 34 cities and surrounding areas, with more than 1, ATMs, covering major large and medium-sized cities in China.

unionpay ATM interbank transfer is divided into transfer-in and transfer-out transactions. You can handle the transfer-in transaction from another bank's bank card to a credit card or the transfer-out transaction from a credit card to another bank's bank card at the ATM of the bank that opened this business. The transfer-in transaction will restore your credit card available amount in real time, and the transfer-out transaction will be regarded as the cash advance transaction of the credit card.

please consult the issuing bank and local unionpay for specific business requirements such as ATM transfer function application and transfer limit of other banks' cards.

()

Detailed list of banks opened in various places

Counter Link Inter-bank Transfer

Shanghai Counter Link Inter-bank Repayment

Credit card customers in Shanghai can apply for credit card RMB repayment in eight joint-stock commercial banks and nearly 2 business outlets participating in Counter Link Inter-bank deposit business, and the payment will be recorded on "T+1" day. During the trial operation of "Counter Connect" business, regardless of the repayment amount, only 2 yuan handling fee will be charged for each transaction; After the official operation, the standard of handling fee is 3 yuan per transaction. The actual repayment amount and handling fee will be listed separately on your bill.

At present, the banks that have joined this business are Shenzhen Development Bank, Guangdong Development Bank, China Everbright Bank, Huaxia Bank, CITIC Industrial Bank, Fujian Industrial Bank and Minsheng Bank. ()

Payment Easy Credit Card Repayment Service of Shenzhen UnionPay

China Merchants Bank Credit Card has opened the Payment Easy Credit Card Repayment Service of Shenzhen UnionPay. Customers in Shenzhen can transfer money from the debit card of any local bank to our credit card on the "Easy Service" terminal deployed by Shenzhen UnionPay to return RMB accounts. The payment will be recorded on "T+1" day.

when you make credit card repayment through easy payment, you don't need to go through any opening procedures. You can do the following:

Guangzhou "Yinjietong" interbank repayment

Credit card customers in Guangzhou can make credit card repayment in RMB at five joint-stock commercial banks and nearly 1 business outlets participating in "Yinjietong" interbank deposit business, and the payment will be recorded on "T+1" day. At the initial stage of business development, customers are not charged any fees.

The banks that have joined this business include: Pudong Development Bank, Industrial Bank, Minsheng Bank, China Everbright Bank and Huaxia Bank. Distribution table of EPS self-service terminals

Kunming "Inter-bank Link" repayment

China Merchants Bank credit card has now opened the Kunming "Inter-bank Link" business. You can repay our credit card in RMB in 8 joint-stock commercial banks and about 6 business outlets in Kunming, and the money will be credited on "T+1" day.

At present, the banks in Kunming have joined this business: China Bank, Kunming Commercial Bank, Kunming Rural Credit Cooperative Association, Huaxia Bank, CITIC Industrial Bank, China Merchants Bank, Pudong Development Bank and Shenzhen Development Bank. (list of bank outlets that can handle inter-bank communication business)

overseas remittance of US dollars

Cardholders can remit money to China Merchants Bank's credit card account by wire transfer, letter transfer or bill transfer from any foreign bank. Cardholders only need to fill in the payee's name (Mandarin Chinese Pinyin, that is, the English name on the credit card), the 16-digit card number of the credit card, and the name of the receiving bank (China Merchants Bank) according to our remittance route guidelines.

Specific overseas remittance route:

◇ Precautions:

1. Please consult the remittance bank about the filling specifications of the remittance application. If you have special requirements, please provide our remittance route to the remittance bank and ask its staff to fill out the relevant forms for you to avoid mistakes.

2. other banks will charge a certain fee for repayment in this way, and the expenses incurred need to be borne by you.

3. Repayment method Due to the long transit time of inter-bank transactions, please try to remit the money 3 working days in advance.