Can I apply for a China Merchants Bank credit card in Ningde?

Currently it is not possible. You must have an outlet to apply. After applying, China Merchants Bank staff will come to the store to sign the application. Ningde currently does not have an outlet of China Merchants Bank and cannot apply for credit cards at the moment

I have an account in Ningde and want to apply for a credit card. Why can’t I apply for a credit card?

Hello, there are no geographical restrictions on credit card application. As long as you have a formal job and pay social security, you can apply for it.

Which bank in Ningde is easy to apply for a credit card?

As for a credit card, it should be easier to get one from Bank of Communications. My friend went to several banks under Construction Agriculture to apply for a credit card but was unsuccessful. I heard that it was because Ningde’s credit was low so he couldn’t apply. Finally, I went to the Bank of Communications to apply.

Which credit cards can be applied for with a Ningde account?

Applying for a credit card has nothing to do with where the account is. The conditions for applying for a credit card: Have full capacity for civil conduct (in mainland China, those who are over 18 years old Citizens) who have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

Extended information:

Notes on filling out the credit card application form:

1. The organization or individual applying for a credit card must have a deposit account in a bank. The unit that receives the company card must have a deposit account in the bank, and does not need to open a separate deposit account when applying for a credit card; the individual who receives the personal card must open a special deposit account with the issuing credit card institution and provide a guarantor. When the cardholder cannot repay the credit card consumption debt, the guarantor must bear the repayment responsibility unconditionally.

2. Pay with credit card or withdraw cash. Generally the prescribed limits must not be exceeded. Card holders should maintain a sufficient balance in their deposit account for expenditure. If there is an urgent need, a bona fide overdraft is allowed. The card issuer charges interest on the overdraft; if the overdraft exceeds the specified period, the card issuer will cancel the credit card's qualification.

3. Credit card holders must notify the card issuer in writing due to job changes or address changes; if they stop using the credit card midway, they should return the credit card to the card issuer; if they lose their credit card, they should report it to the card issuer. The cardholder shall be responsible for any economic losses caused before the card issuer accepts the loss report.

4. Credit card holders can increase their credit card limit by accumulating credit card swipes.