1. Review the submitted materials: whether the copy of ID card, original work certificate, original salary income certificate and application form are complete, and remind them to supplement if there are any deficiencies;
2. Enter the credit information stage: verify whether the customer identity information is consistent with the ID card information base, and query the personal credit information system;
3. Telephone verification: call the applicant himself and his unit to verify that his information and unit information are true and reliable;
4. Send a credit card if you pass the exam.
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Credit card type limit of China Merchants Bank
1. Ordinary credit card limit of China Merchants Bank: 0-10000;
2. Credit card gold card limit of China Merchants Bank:10000-50000;
3. Credit card platinum card quota of China Merchants Bank: more than 50,000.
The longest interest-free period of China Merchants Bank's credit card is 50 days, and the annual fee for the following year is exempted if you swipe your card for 6 times or more.
China Merchants Bank credit card installment fee collection standards are as follows:
1, bill installment
Bill installment is a financial function to repay credit card transactions in installments, including paid installment and unpaid installment. You can apply on this website. At present, our bank provides cardholders with a variety of options for 3-24 installments, and the corresponding handling fee rate for each installment is different. During the application process, you can see the handling fee during the trial.
Step 2 shop in installments
All well-known shopping websites in China and many entities such as communication, home appliances, education, beauty, fitness, etc. You can use China Merchants Bank credit card to pay for your shopping in installments, and you can pay in 24 installments at the longest. You can check the installment fee rate on the above shopping websites and physical businesses.
The most important conditions for applying for China Merchants Bank credit card are: 18-60 years old or above, with a stable job and income. The necessary application documents are copies of your identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. Detailed application materials are as follows:
1, identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of the military ID card;
2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;
3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.
Under normal circumstances, the fixed amount of Puka is 1 1,000 yuan-1 1,000 yuan, and the fixed amount of Gold Card is 1 1,000 yuan-50,000 yuan. The specific amount shall be subject to the audit results.