Before the card transfer function goes online, if you have graduated and are in urgent need of a credit line, you are welcome to apply for various standard credit card products through China Merchants Bank Credit Card official website, or apply at the outlets in your city; After the standard credit card product is successfully issued, the campus version of the card will share the same amount with the standard version of the card, but it will no longer enjoy privileges such as preferential cash withdrawal fees for the campus version of the product. It is suggested that you directly handle the card transfer business after the card transfer function goes online, which will help you get a higher quota.

1. China Merchants Bank Young Card is a RMB credit card launched by China Merchants Bank, which can be used for non-student customers under the age of 30. After the user opens the online payment function, he/she sets the cumulative consumption limit by himself. When the consumption reaches this limit, it needs to be reset, and the previous accumulated records will be cleared.

Second, important information

Annual fee of main card: annual fee of ordinary card 100 yuan.

Free annual fee policy: unconditional free in the first year, free annual fee by swiping the card 6 times in the second year, and so on.

Cash advance amount: _ Fat girl group is short 100%

Interest-free period: 18 days to 49 days

Consumption verification method: signature+password

Revolving credit interest (daily interest): 0.05% interest is charged every day.

SMS notification fee for consumption: free SMS notification for consumption exceeding 100 yuan, and no notification for consumption below 100 yuan.

Minimum repayment amount: 65438+ 00% of the minimum amount owed.

Bookkeeping date: 5th, 7th, 10, 12, 15, 17, 20th, 22nd and 25th of each month are bookkeeping dates, which can be adjusted once every six months after card opening.

Online payment: After the online payment function is enabled, users can set the cumulative consumption limit by themselves. When the consumption reaches this limit, it needs to be reset, and the previous accumulated records will be cleared.

Third, integration.

Integral method: product 1 km 18 yuan; 20 yuan score 1 min; 1 min 20 yuan.

Period of validity of points: permanently valid.

Fourth, by stages

Installment application: call customer service of China Merchants Bank; The application time is from the day after the current billing date to two working days before the due repayment date.

Staging types: single installment, bill installment, shopping mall installment, online shopping mall installment, mail order installment, telephone shopping installment, TV shopping installment, car purchase installment, home improvement installment and group installment.

Installment amount: minimum 65,438 yuan+0,000 yuan.

Interest rate by installment: 3 installments: 2.6%; 6 periods: 4.2%; 12: 7.2%

Deduction method: one-time payment

Provisions on prepayment: prepayment can be made, but the fees collected will not be refunded.