What is the maximum credit card limit of China Merchants Bank?
The credit limit of China Merchants Bank varies according to the type of card. Listed below:
1. The limit of China Merchants Bank credit card is between 1,000 yuan and 10,000 yuan.
2. The limit of China Merchants Bank’s gold credit card is between 10,000 yuan and 50,000 yuan.
3. The credit limit of China Merchants Bank Platinum Credit Card is generally above 50,000 yuan, and can reach a maximum of more than 200,000 yuan.
4. The unlimited card limit of China Merchants Bank Credit Card is the same as the platinum card, above 50,000 yuan, with no specific upper limit.
If customers want to check the credit limit of their China Merchants Bank credit card, they can use the following methods to check:
1. Telephone inquiry: Customers can directly call the credit card number of China Merchants Bank The service hotline is 400-820-5555, transfer to manual service, and apply to customer service staff for inquiries. After the customer service staff verifies the customer's identity, they will help with the inquiry.
2. SMS inquiry: Customers can directly use the mobile phone number reserved when applying for the card to send an inquiry application text message to 1065795555 (China Mobile) or 95555 (China Unicom, China Telecom) to inquire, and reply "#ED" Check the available limit of your credit card.
3. Mobile banking/online banking inquiry: Customers can log in to China Merchants Bank mobile banking on their mobile phone, click "My", then click "Credit Card", then click "Account Management", then click "Account" Click "Query" to query the card limit. The steps for online banking are similar. After logging in to online banking, click to enter the personal account page, and then click "Account Management → Account Inquiry" to see the card limit.
4. Credit card APP "Pocket Life" query: Customers can log in to the China Merchants Bank Credit Card APP "Pocket Life", click "My", and then click "Credit Line" to query the credit card's fixed limit and available credit limit. Quota and other information.
How to increase the limit of China Merchants Credit Card?
Compared with credit cards from other banks, it is relatively easy to increase the credit limit of China Merchants Bank. Generally, you can apply for a credit card limit increase after more than three months, and the temporary limit can be extended. The initial purchase of the card may be 3k-10,000, but some cardholders increase their balance to 5,000,000 through one-year installments, and temporarily have more than 10,000,000. Today I will share with you how to increase the credit limit of China Merchants Bank.
1. Use multiple credit cards to make purchases
China Merchants Bank still attaches great importance to the number of purchases. The key is patience. You can use it casually for large amounts, but you must choose a merchant with points. Try to be as diversified as possible (multiple regions, multiple times, multiple merchants) and the frequency of credit card swiping must be higher. Banks can make money in the long run, and it will be a matter of time before they raise their quotas.
2. Installment
It is very necessary to install the bill in installments. The number of installments is 12, and there is no need to divide it into too long installments. The amount should be moderate, and don’t use all the card’s balance in installments!
Doing installments can earn some handling fees for the bank, which is very helpful in increasing the credit limit. Of course, one additional point is that China Merchants Bank’s bill installments basically have activities every month. You can go to Palm Life to check for details.
3. Make full use of the temporary limit
Some cardholders use tricks better and often have temporary limits. Some people are worried that after using the temporary limit, the fixed limit will not be improved. After you get the temporary quota, try to spend as much as possible. If you can't use it up temporarily, why will it be adjusted and fixed for you? Frequent adjustments and temporary quotas mean that you are still close to being fixed. So you still have to keep brushing more. Sometimes temporary and fixed time are together. Be sure to note that increasing the temporary limit will lengthen the period for raising the fixed limit. The time must be mastered
What is the credit card limit of China Merchants Bank?
As a well-known credit card brand in China, China Merchants Bank’s credit cards have always attracted countless fans with its rich and user-friendly preferential activities. So, what is the credit card limit of China Merchants Bank? What are some techniques for increasing your forehead? Today I would like to share with you some relevant knowledge.
Credit Card Limit of China Merchants Bank
Credit Card Limit refers to the maximum amount of overdraft that a credit card can have. Different credit card levels have different credit card limits. A brief introduction to the credit card limits of China Merchants Bank is as follows:
Normal card limit: generally RMB 3,000 to 10,000;
Gold card limit: generally RMB 10,000 to 50,000;
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Platinum card limit: above 50,000, hundreds of thousands, millions;
Unlimited card limit: up to several million.
Be careful when applying for a China Merchants Bank credit card for the first time
The initial limit of the credit card is determined by the information submitted by the card applicant and personal credit report. The bank will refer to various factors when reviewing. Overall rating. When applying for a China Merchants Bank credit card for the first time, it is recommended that the applicant prepare some financial proof, which will help to issue a higher limit.
Proof of financial resources can be bank salary records, income tax withholding certificates (tax payment certificates), or documents proving the market value of houses, cars, deposits and investments, etc. that can prove your financial level.
It should be noted that the real estate certificate must contain the name of the person or his spouse or minor children, with proof of relationship; the applicant who provides the real estate certificate must also submit a copy of any utility invoice in the past three months. The driving license must be in my name.
Tips for increasing the credit limit of China Merchants Bank’s credit card
1. Make as many purchases as possible, with an average of more than 10 transactions per month. It will be easier to increase the credit limit if it reaches more than 20 transactions;
2 . The amount of credit card swiped should be as large as possible, and the total consumption amount within half a year should be at least 30 or more of the limit;
3. The less online shopping, Alipay transactions and cash withdrawals, the easier it will be to apply for an increase in the limit;
4. The smaller the amount of bulk consumption such as wholesale and house and car purchases, the easier it is to increase the credit limit;
Summary: The credit card limit is mainly determined by the creditworthiness of the card applicant, but banks will refer to different factors during the review process . The credit card limit of China Merchants Bank is also related to the card application conditions of the card applicant. If you want a high amount of credit, the above tips can help you get a high amount of credit. Quick card application entrance
What is the general credit limit of China Merchants Bank credit cards?
China Merchants Bank credit cards are divided into three levels: regular card, gold card and platinum card. The limit of regular card is generally 3000-10000. Yuan, the gold card limit is between 10,000-50,000 yuan, and the platinum card limit is more than 50,000 yuan.
The specific credit limit is evaluated by the bank based on the information provided by the applicant and personal credit status. The better the applicant's credit status, the higher the credit limit. The final limit is subject to review The result shall prevail.
Extended information:
China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is completely owned by corporate legal persons. It is also a national institution. It is the first pilot bank to promote banking reform abroad.
Since it was first shortlisted for the Fortune Global 500 in 2012, it has been shortlisted for seven consecutive years. In 2018, it ranked 213th on the Fortune Global 500.
On June 26, 2019, 8 banks including China Merchants Bank were among the first to launch the online enterprise information verification system.
In July 2019, the 2019 Fortune Global 500 was released, ranking 188th.
In November 2019, it ranked 85th on the list of the top 100 Chinese enterprises along the Belt and Road Initiative.
In December 2019, China Merchants Bank was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony.
On December 18, 2019, the People’s Daily ranked 31st on the “China Brand Development Index” 100 list.
On January 13, 2020, he was selected into the 2020 Hurun Top Quality Awards.
In March 2020, it was selected as the 74th among the top 500 global brands in 2020.
In May 2021, it ranked 22nd in the "2021 Forbes Global 2000".
The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22. Net capital exceeds 290 billion and total assets exceed 4.4 trillion.
As of the first half of 2017, China Merchants Bank has more than 1,800 domestic and overseas branches, has established service outlets in more than 130 cities in mainland China, has 5 overseas branches and 3 overseas representative offices, and has 7 employees. More than 10,000 people. In addition, China Merchants Bank also wholly owns China Merchants Bank Financial Leasing Co., Ltd., holds a controlling stake in China Merchants Fund Management Co., Ltd., holds a 50% stake in China Merchants Cigna Life Insurance Co., Ltd., and a 50% stake in China Merchants United Consumer Finance Company; it wholly owns Wing Lung in Hong Kong Bank Limited and CMB International Financial Holdings Limited.
This is the end of the introduction about what is the credit card limit of China Merchants Bank and how much is the credit card limit of China Merchants Bank? Have you found the information you need?