How to apply for a credit card?
The credit card processing method is as follows:
1. Prepare materials. When you go to a bank to apply for a credit card, you must first prepare the corresponding application materials, which generally include original ID cards, work certificates, income certificates, etc.
2. Go to the bank to get the number. After you prepare the information, you need to choose a bank outlet you like, go to the bank's self-service number-taking machine during working hours to pick up your number, and prepare to handle business.
3. Fill in the card processing information. Generally, after taking the number, you can ask the bank lobby manager how to fill in the information, and fill in the information according to the staff's prompts and the template provided by the bank. The information required to be filled in must be accurate and cannot be erased.
4. Submit information. After filling in the corresponding information, wait until the bank counter calls your number. After getting the number, go to the counter to submit the required information for card application and wait for bank review.
5. Anti-audit. After receiving your verification information, the counter staff will review the information according to the bank's corresponding regulations to see if it meets the conditions for applying for a credit card. If so, it passes the review. If it can't do it, it will tell you why it can't be done.
6.Card issuance is activated. If the bank has already applied for the card, the bank counter staff will issue the card to you in time and help you activate it. From that point on, your credit card has been successfully processed.
Extended information:
1. Advantages and disadvantages of applying for a credit card:
(a) Advantages of a credit card:
1. No deposit required For overdraft consumption, you can enjoy an interest-free period of 20-56 days.
2. When shopping, you will get points as gifts.
3. Special merchants who hold cards at the bank can enjoy discounts.
4. Accumulate personal credit, and the credit record can be added to the credit file.
5. You can withdraw money or swipe your card at ATMs and POS machines with the UnionPay logo.
6. Some credit cards accept existing points.
7. Free monthly mailing of statements.
8. With the supplementary card function, you can manage finances together and control your children’s financial expenditures.
9. In the form of one card and two currencies, you can use domestic RMB to repay when you spend abroad.
10. 24-hour service hotline, loss report takes effect immediately.
11. Cooperate with third-party platforms to provide cardholders with preferential services.
(2) Disadvantages of credit cards:
1. Credit cards can easily lead to over-consumption.
2. Credit cards have higher annual interest rates.
3. Credit card debt can cause mental stress.
4. If your credit is not good, the cost of borrowing money will be higher, and you may even not be able to borrow money.
How to apply for a China Merchants Bank Card?
1. Under 16 years old in China:
(1) The guardian shall issue valid identity documents of the agent and the principal, as well as proof of guardian relationship or a designated person issued by the people and relevant departments Official document for opening an account.
(2) The bank account opened by the guardian’s agent can retain the real-name authentication mobile phone number of the guardian or depositor.
2. Domestic 16-18 years old:
I can apply with a valid ID card, or my guardian can apply. If it is handled by my guardian, I need to present two valid ID cards and a valid guardianship certificate. You need to reserve your guardian’s or save my real-name authentication mobile phone number.
3. Over 18 years old in China: I need to hold a valid resident ID card or temporary resident ID card to open an account at any China Merchants Bank outlet (Changsha Branch does not support temporary ID cards for the time being). To apply for a China Merchants Bank credit card, the most important conditions are to be between 18 and 60 years old (25 to 60 years old for foreigners) and have a stable job and income. The necessary application documents are "Copy of Identity Proof" and "Employment Certificate". Other financial documents (such as copies of real estate certificates, personal car driving licenses, bank time deposit certificates, etc.) will be more conducive to successful card issuance.
There are generally three channels for applying for a credit card at China Merchants Bank:
The first one: go to the bank, explain to the bank and business staff that you want to apply for a credit card, and fill in the form under the guidance of the staff. Then, under the guidance of the staff, just copy the various certificates to the staff.
The second type: go to the agent. Generally you will encounter some credit card agencies in some large supermarkets or some large stores. The method is the same as the first one. Generally, they will use a digital camera to take photos of supporting documents, so no copies are required.
Both of the above must be prepared:
1. Original ID card
2. Copies of the front and back of the ID card
3 .Proof of income (salary or certificate issued by the company)
4.Proof of work (work permit, badge, company pass, etc.).
5.Proof of financial resources (house, car, etc. Proof of financial resources)
Third option: Online booking. Visit the official website of China Merchants Bank Credit Card. Process (taking ThinkPad
3. Choose the appropriate application process. Currently, China Merchants Bank has set up two application processes for new customers and existing customers;
4. Fill in personal information so that the application can be approved;
5. Submit an application for a CMB credit card, and CMB will process it The reservation information will be reviewed, and the processing results will generally be notified within 7 working days.
How to apply for a China Merchants Bank credit card?
The most important conditions for applying for a China Merchants Bank credit card are that you are 18-60 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. If you can provide other Documents proving your financial resources will help us better understand your personal situation and determine your credit limit.
Detailed application materials are as follows: 1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID; 2. Proof of employment : It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal), or the original work certificate\plate that has been verified by the promoter and marked Copy; 3. Proof of financial resources: It can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates), etc. Information that proves your financial ability.
Other documents available for reference include: social security personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc. If you still have questions, you can call customer service 4008205555 for detailed consultation. If you need to apply for a China Merchants Bank savings card, Chinese citizens who are 16 years old and living in China need to bring valid account opening documents to the branch to open an account. It is recommended to confirm with the handling branch in advance whether other auxiliary documents are required.
Relevant channels for applying for China Merchants Bank Card:
1. Online account opening for debit card (deposit card):
You can log in to mobile banking and click " All → Apply for a card and open an account → Apply for a savings card" or apply for a card through the WeChat public account "China Merchants Bank → Commonly used → Apply for a card and get rewards". For debit cards applied online, you need to go to the branch in person to pick up the card and activate it. Application at the counter: I bring my ID to the counter of China Merchants Bank to apply. It is recommended to check with the branch first to see whether auxiliary documents are needed and whether they can be applied for by an agent. For those under the age of 16, the guardian can bring both parties’ identity documents and proof of relationship (such as household register) to the branch for processing.
2. Credit card
Follow the official WeChat "China Merchants Bank Credit Card" and make an appointment online. Log in to the Palm Life APP, click Select-All--Credit Cards-Wonderful Cards, and here you can choose your favorite card type to apply. Call 4008205555 to make an appointment. I bring my ID card and relevant supporting documents to the branch to apply.
The following information must be submitted. Proof of identity: a copy of the front and back of the ID card; proof of work: the original work certificate issued by the employer (indicate the specific company name, department, position and income, stamped Company seal or personnel seal); or personal badge, business card, etc.
How to apply for a China Merchants Bank credit card on your mobile phone
You can apply for a China Merchants Bank card online in the following two ways:
1. Online banking application: Applicant After logging into the official website of China Merchants Bank, find the "All-in-One Card" on the "Personal Business" page, select the type of bank card you are applying for, and then fill in the relevant information online to apply.
2. Mobile banking application: Applicants can log in to the China Merchants Bank mobile client, open "My" and click "All", find "Card Application and Account Opening" and follow the page prompts to apply for a China Merchants Bank card online.
1. The online application process for China Merchants Bank Credit Card is as follows:
1. First go to the official website of China Merchants Bank Credit Card to select the type of card you want to apply for, click "I want to apply", and fill in your personal information according to the prompts , complete the website reservation (must be in a city with a branch of China Merchants Bank);
2. The local card department of China Merchants Bank will arrange for door-to-door service, and they will need to see your original ID card and take photos, etc.
3. Wait for the review results from the China Merchants Bank Credit Card Center, which usually takes 7 working days.
2. Required conditions for applying for a China Merchants Bank credit card: 1. Age requirement: The applicant should be between 18 and 60 years old. If the applicant is an overseas person, he or she should be between 25 and 60 years old: 2. Economic income: Applicants must have stable and legal financial resources; 3. Credit record: Applicants must have a good personal credit record; 4. The main cardholder can apply for spouse, children, and parents, and domestic applicants must Over 14 years old, overseas applicants must be over 18 years old. Supplementary cards enjoy the credit limit of the main card.
3. Information required for China Merchants Bank credit card application: 1. Proof of identity: The applicant’s valid ID card, a copy of the ID card, military personnel need to provide a copy of the military ID card; foreigners need to provide a passport and residence permit Permit or Employment Permit; Taiwanese nationals need to provide Taiwan Compatriot Permit and Employment Permit; Hong Kong and Macao people need to provide Home Return Permit and Employment Permit/Residence Permit; 2. Work/Income Proof: It needs to be issued by the personnel department or financial department of the applicant’s unit Valid certification materials need to be stamped with the company's red medal; 3. Other financial resources proof: bank salary records, real estate certificate/car driving license/copy of bank time deposit certificate, social insurance personal account list in the past 6 months, water , gas bills, credit card bills from other banks, etc.
Software: China Merchants Bank Version: 9.5.2
How to apply for a China Merchants Bank credit card
Anyone who is over 18 years old, has full capacity for civil conduct and has good credit standing Chinese residents, foreigners permanently residing in the country and compatriots from Hong Kong, Macao and Taiwan can apply for a personal credit card master card from the card issuer with their valid identity documents.
General users can apply for a China Merchants Bank credit card in the following three ways:
1. Apply for a credit card online:
Customers who do not hold a card: Select "Apply for the first time to China Merchants Bank Credit card (new customer)" to enter "Easy application, door-to-door service"!
Customers who already hold the card: Select "I have a China Merchants Bank credit card (old customer)" and only need to fill in personal information online and print the signature Just mail it to China Merchants Bank (mailing address: Mailing Room, 13th Floor, Jiangong Building, 33 Fushan Road, Pudong New District, Shanghai, Postcode 200120).
2. Bring your identity document, employment certificate and financial information to any business outlet of China Merchants Bank to fill out the application form in person;
3. Customers who already hold a China Merchants Bank card can also Call 400-820-5555 customer service number to request an application form.
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back.
Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Main features
①Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation to a certain extent;
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②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
③Credit cards are high-tech products that integrate financial services and computer technology.
④Credit cards can reduce the use of cash;
⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
⑥Credit cards can simplify collection Reduce payment procedures and save social labor;
⑦Credit cards can promote product sales and meet social needs.
Financial Management Strategy
1. Control the number of credit cards and only have enough.
Once there are too many credit cards, it is easy to make mistakes or forget the repayment date of the card. Issues such as the credit limit of that card are difficult to manage and can easily lead to late repayments and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered and it is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.
2. Keep the credit card receipts
Most credit card holders do not care about the receipts and will not keep them. Most of them throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. And many people do not set passwords on their credit cards. Discarding the credit card credentials at will may lead to theft of the credit card.
For security reasons, it is best to keep the credit card receipt after swiping the card to make yourself aware of it and develop good credit card financial management habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawals require a certain percentage of handling fees, and even if you deposit your own money into it, you will be charged. Therefore, it is not cost-effective to use or use it as a passbook.
4. Choose the right credit card
The choice of credit card is very important. Nowadays, many commercial institutions have bundled cooperation with banks. For example, you can apply for a joint credit card between a department store and the corresponding bank. With a credit card, you can spend points here as a member and get discounts; or some cards can provide discounts at designated merchants, including dining, movies, towing services, etc. There are various categories, and you can choose freely according to your own needs. Credit cards should be used wisely and chosen wisely.
5. Use your credit card as much as possible within the maximum limit for credit card consumption
Every credit card has a limit. If you use your card within this maximum limit, you are safe. So, within this controllable range, please swipe as many cards as possible. Because a credit card is like when you buy something, the bank will pay you first, so why not? Just pay it back to the bank on time on the repayment date. On the one hand, it is more convenient to consume, on the other hand, it can also accumulate credit, and the bank can also charge merchants fees from the amount of your credit card, which is a win-win situation.
6. Don’t repay until the repayment date
Use the last repayment date to earn more interest. After all, the money is placed in your own account, and the interest generated is also yours, so You should make full use of the opportunity of having money in your hands to make it generate more money. In addition, if you are unable to repay due to some special reasons on the repayment date, please call the bank's credit card customer service hotline to explain the situation and request a delay in repayment. 1 to 2 days, usually this situation will be allowed.
That’s it for the introduction of China Merchants Bank’s credit card application process.