There is only over a month left before 20 17, and many cardholders are still worried about handling China Merchants Bank credit cards. If you don't know what kind of credit card to apply for, I'll introduce you to China Merchants Bank's dual-currency credit card. There are many kinds of dual-currency credit card products of China Merchants Bank, and some applications are not difficult. Let's learn about China Merchants Bank's dual-currency credit card.
1. What dual-currency credit cards does China Merchants Bank have?
China Merchants Bank has a variety of dual-currency credit card products, such as Ctrip Travel Credit Card and Air China Companion Credit Card. These credit cards usually have a distinctive logo, and there are generally two card organization logos on the card surface, which are usually composed of UnionPay logo and international credit card organization logo.
So when you apply, you only need to choose a credit card with the UnionPay logo and the logo of the international credit card organization, and that's right.
Second, the role of China Merchants Bank dual-currency credit card
The functions of China Merchants Bank dual-currency cards are similar to those of most dual-currency cards, which can be summarized as follows:
1. Dual-currency card, as a kind of credit card, has the functions of swiping card, withdrawing cash and installment.
2. Many single-currency credit cards cannot be used abroad. If you hold a dual-currency card, you can basically use it unimpeded.
3. When shopping abroad, you can use a dual-currency credit card to swipe your card through UnionPay or USD. When you need to repay after swiping US dollars, you can repay with US dollars, but without US dollars, the issuing bank can purchase foreign exchange for repayment.
4. Dual-currency credit cards can not only enjoy the preferential merchant activities of UnionPay, but also participate in activities of visa or MasterCard.
3. How to handle the dual-currency credit card of China Merchants Bank?
There is no obvious difference between the process and method of China Merchants Dual-currency Credit Card and other credit cards. You can choose to apply at the counter or online. In view of the convenience and speed of applying for a credit card online, if you want to save time, you'd better apply online.
The Credit Card Center of China Merchants Bank will complete the preliminary examination in about one week after receiving your application materials. After passing the preliminary examination, a special person will contact you to collect the application materials at home. After the card is finally approved, the bank will send your credit card by express delivery, and it will arrive in about two weeks.
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What is the visa card of China Merchants Bank? Methods and steps of applying for visa card.
Have you noticed that some bank cards are marked with "visa"? This card is a visa card. China Merchants Bank has launched a visa card, which can be a credit card, a debit card or even a prepaid card. What is the Visa card of China Merchants Bank? How do we apply for a visa card? Next, follow me to have a look.
How to apply for visa card of China merchants bank
Visa card is a dual-currency credit card of China Merchants Bank. It should be noted here that not all visa cards launched by China Merchants Bank are credit cards. For example, the international debit card launched by China Merchants Bank also belongs to the visa card. In general, visa credit cards include ordinary cards and gold cards, so you can pay attention to them when you handle them at ordinary times.
Visa credit card is an overdraft credit card, which is used to spend first and then repay. There is no interest on deposits, and there is a handling fee for withdrawals. Used for credit card consumption. Visa Gold Card is a VIP card for customers with assets of 50,000 yuan of China Merchants Bank, that is, a savings card. Deposit bears interest, which can be used for fixed term, demand, national debt, wealth management, funds, online banking, etc. The handling fee is 50% off. The former is for consumption and the latter is for saving money.
Visa credit card application card opening process:
1, fill in the application form;
Give your personal certificate, professional certificate, income certificate and other information to the bank. , and various copies;
3. The bank sends it to the credit card center;
4. The credit card center conducts audit, business card printing and card issuance;
5. After getting the card, open the card and wait for the password letter.
Do you understand all the above? Visa cards are not only credit cards, but also debit cards, ordinary cards, gold cards, platinum cards and unlimited cards. So, if you want to apply for a visa card, you need to know which visa card you want to apply for. The above also gives you the process of applying for a visa, I hope it will help you.
Advantages and disadvantages of visa credit card for overseas students of China merchants bank
Advantages and disadvantages of visa credit card for overseas students of China Merchants Bank: The overall repayment of China Merchants Bank credit card is good in terms of card environment and smooth network (it can be linked to a card for automatic repayment). Since China Merchants Bank's credit card is an international standard credit card, there is no password, so you must protect yourself and the cvv2 code on the back of the card to prevent the credit card from being stolen. Of course, just in case, you can still apply for another MasterCard. When the visa network is disconnected, you can swipe your card with MasterCard.
First, the difference between China Merchants Bank's all-currency international credit card and China Merchants Bank's VISA credit card
The difference between China Merchants Bank's dual-currency credit card and full-currency credit card lies in: dual-currency cards can be consumed in UnionPay and international organizations, while full-currency cards can only be consumed in VISA, which is very inconvenient to use in China; All-currency cards are permanently and unconditionally free of annual fees. Dual-currency card not only has a limited number of swipes, but also is free of annual fee after reaching the standard, but it is more convenient to use in China. All-currency cards are free of currency exchange fees, and dual-currency cards will be settled in US dollars through international routes in consumption abroad. If the consumption amount is not USD, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount. If the consumption amount is USD, no settlement fee will be charged.
2. Can China Merchants Bank visa Credit Card be swiped in China?
China Merchants Bank's visa credit card can also be used for spending in China, but because the purpose of issuing visa cards is to spend abroad, Visa credit cards can be spent in fewer places in China. If you want to use China Merchants Bank visa credit card, you must find the POS machine of visa channel. In addition, when using visa card, the credit card is still RMB, and foreign currency will be converted into RMB.
The 365-day, 24-hour uninterrupted customer service center built by China Merchants Bank's credit card was rated as "China's Best Call Center of the Year" at the 2004 China Conference on Call Center Operation and Customer Relationship Management, and it was the only award-winning unit in the domestic financial industry. In February, 2005, China Merchants Bank Credit Card Center officially passed the "National Call Center Operation Performance Standard" certification and became the first "five-star customer service center" in China.
What's the difference between China Merchants Bank dual-currency credit card and full-currency credit card? Which is better?
Do you know the difference between China Merchants Bank dual-currency card and full-currency card? Which is better, China Merchants Bank dual-currency card or full-currency card? When will the dual-currency card of China Merchants Bank be used? When will China Merchants Bank use the full currency card? Let me sort out the difference between China Merchants Bank dual-currency card and full-currency card, hoping to answer your questions.
What is the general quota of China Merchants Bank visa full currency card?
1, Introduction of Dual-currency Credit Card of China Merchants Bank
Dual currency, as the name implies, means that there are two currencies on the card, usually RMB plus USD, EUR or JPY. Dual-currency card refers to a credit card with both RMB account and foreign currency account. Generally, the "UnionPay" logo is affixed to the upper right corner of the front of the card, and the logo of VISA, JCB or MasterCard is affixed to the lower right corner. Now VISA or MasterCard dual-currency credit cards can be used in more than 200 countries, making it more convenient to find consumer merchants.
Dual-currency credit cards are settled in RMB in China. If you swipe your card abroad, you will automatically enter the foreign currency settlement system. Depending on the type of card, it will be converted into US dollars or euros first, and then converted into local currency when it is not spent in US dollars or euros. When they are repaid, they will be converted again and again. Because of the currency conversion, they will be charged 65,438+0% to 2%. When you come back to repay, you need to change money first, and there will be a currency conversion fee.
How to evaluate China Merchants Bank's all-currency international credit card? What are the advantages and disadvantages?
2. Brief introduction of China Merchants Bank's all-currency card
The main function of all currencies is to exempt currency conversion fees and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange. In addition, banks' all-currency international cards generally give away high travel accident insurance.
The advantage of China Merchants Bank's all-currency card is that it can avoid currency conversion fees. For example, when a dual-currency card using RMB and USD is paid with Thai baht in Thailand, there will be a currency conversion fee (of course, this fee will not be incurred when it is paid with USD or RMB), while a full-currency card will not.
All-currency card not only combines the advantages of single-currency card and dual-currency card, but also avoids their disadvantages. Moreover, all multi-currency cards issued by banks are free of annual fees. The only fly in the ointment is that the all-currency card does not support the UnionPay channel for the time being.
The disadvantage of China Merchants Bank's all-currency card is that it is a single-label card (visa card) and cannot use UnionPay line, which means that this card cannot be used in China and can only be used for Haitao; Dual-currency cards are generally dual-label cards, which can be used normally in China.
How to evaluate China Merchants Bank Youth Credit Card? What are the advantages and disadvantages?
3. The difference between China Merchants Bank dual-currency credit card and full-currency credit card.
The only difference between the two is the amount of settlement currency. For example, the dual-currency card is UnionPay VISA RMB USD, so there is no difference between dual-currency and full-currency shopping in Amazon, USA. However, if you shop in Amazon, Japan, the dual-currency card will first count the yen you consume into the US dollar account according to the exchange rate and currency conversion fee of VISA on that day, and then you will repay it from RMB to US dollars.
Dual-currency cards can be consumed in UnionPay and international organizations, while full-currency cards can only be consumed in VISA, which is inconvenient to use in China.
Full-currency cards are permanently and unconditionally exempt from annual fees, and dual-currency cards have a limit on the number of swipes. Only when they meet the standards can they be exempted from annual fees, but they are more convenient to use in China.
All-currency cards are free of currency exchange fees, and dual-currency cards will be settled in US dollars through international routes in consumption abroad. If the consumption amount is not US dollars, there will be an exchange fee between the two currencies; if the consumption amount is US dollars, there will be no foreign exchange settlement fee.
To sum up, the choice of CMB full-currency credit card or CMB dual-currency credit card mainly depends on where you are going and what you are doing. If there are many Haitao, you can apply for a full currency card. If there is domestic payment demand, then a dual-currency card is more suitable.
Merchants youth card
(The first withdrawal every month is free; Withdrawal amount100%; Only under 30 years old)
What are the requirements for handling China Merchants Bank's visa credit card?
What are the requirements for handling China Merchants Bank's visa credit card?
Apply for China Merchants Bank visa Card:
Both China Merchants Bank's credit card and one-card card have visa cards, but one-card cards must be above the gold card level to have visa.
If it is a visa card that requires a credit card, it must be handled in accordance with the normal credit card channels. The most basic requirement of China Merchants Bank for credit card processing is to have an ID card and proof of work income. These two certificates are indispensable. Without proof of income (or the salary of the last three months is ok), it is impossible to handle it.
If you don't have to have a credit card, you can get a card, which is an ordinary debit card, and you can't overdraw it. Visa card can be selected as the gold card of China Merchants Bank Card. To apply for a gold card, you must be at least 16 years old and have an ID card, and then the average daily balance in the card is more than 50,000 RMB. If you don't want to get a credit card or it's inconvenient to find proof of income, you can consider getting a gold card and a visa card.
Hello, the most important condition for applying is to have a stable job and income. When applying for a credit card, you need to fill in the application form and attach a copy of your ID card and a work certificate issued and sealed by the personnel department of the unit. Of course, if you can provide other financial proof, it will be more helpful for us to understand your personal situation and judge the credit limit.
What are the requirements for applying for China Merchants Bank credit card? China merchants bank credit card
What are the requirements for Dongguan China Merchants Bank to apply for a credit card? What are the requirements for Shenzhen to apply for China Merchants Bank credit card? China Merchants Bank credit card processing conditions
Card conditions:
China residents, foreigners living in China, compatriots from Hong Kong, Macao and Taiwan, who have reached the age of 18, have full capacity for civil conduct and good credit standing, can apply for a personal credit card master card from the card issuing institution with their valid identity documents. Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.
Card information:
To apply for a card, you need to provide a copy of your ID card, a copy of your work permit, proof of income or the original property, a copy of your driving license or proof of continuous payment of social security in the last 3 months.
Handle China merchants bank VISA credit card handle China merchants bank visa credit card
China Merchants Bank's credit card is directly exempt from the annual fee in the first year, and the annual fee for the following year is exempted after swiping the card for 6 times. (Online transactions count as the number of swipes, not points. Cash withdrawal transactions are not counted)
The first year refers to 12 months from the date of card issuance, not a natural year.
The annual fee will be deducted from the13rd month after the card is issued for the number of swipes that have not been activated or failed to meet the requirements of the bank in the first year. Arrears of annual fees will affect personal credit records.
It is suggested that credit cards that are not intended to be used should be cancelled in China as soon as possible in June 5438+February to avoid unnecessary expenses and overdue records.
What are the requirements for handling the dual-currency credit card of China Merchants Bank?
Income certificate, ID card, work certificate, fixed telephone answering. If the amount is high, provide proof of financial resources, such as the name of the property, car driving license, etc.
Is the credit card of China Merchants Bank UnionPay VISA dual currency or full currency?
Hello, dual currency card supports RMB and USD. Credit cards through international routes will be settled in US dollars in consumption abroad. If the consumption amount is not USD, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount. If the consumption amount is USD, no settlement fee will be charged. \ China Merchants Bank's all-currency international VISA credit card has only one card face. No matter when, where and what foreign currency you use, you will be exempted from the currency exchange fee of 1.5% when you use this card for consumption or withdrawal, which will make your consumption more convenient. \ \ CMB credit card has dual currencies of RMB and USD. In addition to the UnionPay logo, there are also logos of overseas credit card organizations, such as Visa, Master, JCB and American Express Blue Label, all of which are dual-currency credit cards. Dual-currency card can make it convenient for you to choose the route with the logo of overseas credit card organization for consumption abroad. Cards with only the logo of UnionPay or overseas credit card organizations are single-currency cards.
The introduction of China Merchants Bank visa dual-currency credit card ends here.