2. China Merchants Bank froze the credit card limit because of the recent overdue repayment and serious circumstances, which led to personal credit damage and bad information recorded in the credit report.
3. The cardholder cashed the card in violation of regulations, or frequently swiped the card from the same merchant and the same POS machine because of frequent lump sum swiping, and always swiped the card during the business hours of unconventional merchants such as midnight and early morning, so China Merchants Bank took risk control and stopped paying for the card.
if the approved amount is zero as soon as the card is opened, it is estimated that the credit condition of the cardholder is average. In this regard, cardholders can deposit money first and then spend it. As long as they maintain their good personal credit, it is possible for China Merchants Bank to raise the amount for the card.
the bank will issue credit cards to users who do not meet the credit conditions temporarily but have development potential, but the credit account limit is temporarily . Users can obtain credit records by using cards for savings and consumption, thus increasing the credit limit of their accounts. credit card can neither be used as a savings card nor have the real function of a real credit card. If the cardholder has the will to apply for a card, he can insist on using it by swiping it, and then he can apply for a withdrawal. When the withdrawal is successful, it will no longer be zero
On December 3, 22, China Merchants Bank officially issued the first international standard dual-currency credit card in China, which opened a new era of credit card consumption for Chinese people [2]. After more than ten years of struggle and growth, China Merchants Bank Credit Card has formed three visions of "being the best payment experience provider in China, the best consumer finance expert in China, and the leading diversified marketing platform in China", and has also won many honors. [22]
adhering to the business philosophy of China Merchants Bank, China Merchants Bank's credit card has continuously refreshed the cardholder's experience with product innovation and service upgrade, making it a leading brand in the credit card industry. [23]
In recent years, China Merchants Bank's credit cards actively seek digital transformation, forge ahead, lead the way in the construction of financial Internet, and create a technological legend in the domestic credit card industry.
from 22 to 22, the development of China merchants bank's credit card can be summarized into three stages, namely "starting a business", "creating a leading position" and "strategic transformation".
the first stage: starting business from 22 to 25
On December 3, 22, China Merchants Bank launched the first domestic "one card, two currencies" credit card that met international standards. [25]
In June, 24, China Merchants Bank took the lead in breaking the million mark among its peers. [21]
the second stage: creating a leading position from 26 to 28
In the face of increasingly fierce market competition, China Merchants Bank accelerated the scale expansion of its credit cards and constantly set a new record for the issuance of dual-currency cards in China. In April 26, China Merchants Bank took the lead in entering the echelon of 5 million credit cards. [26]
In December of the same year, the number of cards issued reached 1 million [28], which marked a new chapter in the development of China's credit card market [27]. The leap-forward development of China Merchants Bank's credit card has attracted the attention of domestic and foreign industries, and it has been compiled into the MBA case database of Harvard Business School in the United States. [29]
The third stage: strategic transformation from 29 to 212
In 29, China Merchants Bank officially started the road of transformation, from the pursuit of scale to the pursuit of balanced development of efficiency, quality and scale. [3]
In 21, the Credit Card Center of China Merchants Bank was keenly aware of the development opportunities brought by mobile internet, and began to build a low-cost and efficient operation mode by using new technical means-the development of version 1. of "Pocket Life" APP was launched, marking the official entry of the Bank into the era of mobile internet. [31]
Accelerate the pace of transformation
In p>213, in line with the concept of "where users are, services are there" [33], China Merchants Bank initiated the intelligent "micro-customer service" for credit cards [32], and credit card customer service changed from traditional telephone channels to new Internet channels.
in p>216, the annual cumulative transaction amount exceeded 2.2 trillion for the first time, setting a record high, which not only led the peers, but also verified that "China Merchants Bank credit card is the choice of more people". [34]
In 217, the "Pocket Life" App was upgraded to version 6., and the number of bound users exceeded 4 million, making it the first consumer finance App in an all-round way. [35]
Life is more than expectation, and the excitement continues. By 22, China Merchants Bank's credit cards will continue to maintain a good development trend, with both the number of circulating cards and the number of circulating households increasing; The annual cumulative transaction volume has reached 4.34 trillion yuan [36], the cumulative number of users of the handheld life App has exceeded 11 million, and the monthly life has exceeded 46.3 million [37], further consolidating the leading position of the credit card App, and at the same time, it is more comparable to the first-line Internet platform. [39] China Merchants Bank Credit Card will continue to actively explore and practice financial technology to further enhance the user experience.