1. It is understood that there are the following processes after handling a credit card: business outlets receive application materials and financial vouchers; Send materials to headquarters; Materials audited by the head office; The head office reviews personal credit information; Telephone return visit from headquarters; Credit card making; Credit card delivery. If you apply for a credit card online, you need to sign it in person at the business outlet.
Second, taking the recruitment behavior as an example, it generally takes 10 working days from the time when the audit department receives your application materials to the time when the credit card is completed. After approval, a card will be made for you within 2 working days, and then sent to you by registered mail according to the billing address.
3. The sending time of registered letters is generally within 15 days. If you haven't received it for a long time, please call the service hotline at 400-820-5555, and select 3# credit card application consultation-1 credit card application consultation-transfer to manual service for detailed verification.
: China Merchants Bank's annual credit card fee is 65,438 yuan +000 yuan/year for ordinary cards, and the gold card is 300 yuan. The annual fee is charged once a year. If two cards or supplementary cards are processed at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period under the credit card number, the previous day is the issuing date), not a natural year.
After successfully applying for CMB credit card, the annual fee for the first year will be reduced in advance by CMB credit card or partner. Within one year after the expiration of the card (from the date of spontaneous card issuance, it is not a natural year), you can swipe your card for 6 times (there is no limit on the amount) to reduce the annual fee for the second year and the annual fee for the third year. If you spend 6 times with a single card (unlimited amount and form), you can reduce the annual card fee for the next year. Moreover, the discount will be valid for a long time before the change notice of the new year fee preferential policy. The number of online consumption can also be accumulated to 6 times of the annual fee reduction in the following year.
What should I pay attention to when withdrawing cash by credit card:
1, try not to swipe the full number when swiping the card. Many merchants don't mark the price as an integer, but generally use a credit card to withdraw money as an integer. Generally, you can withdraw cash by swiping 9800 or 19800. If you directly swipe 10000 or 20000, the bank can easily detect it. This kind of card consumption must be avoided.
2. The cash amount is in line with consumption habits. The amount of credit card should be consistent with the consumption amount of merchants. For example, it is normal for a hotel POS machine to brush 200-800 at a time. It is illegal to brush tens of thousands.
3. Don't check the balance on the POS machine. Be careful not to check the balance on the POS machine before swiping the card.