How to open a credit card

There are three ways:

1. Call customer service to activate it.

2. Open online banking.

3. Local outlet counters are open.

If you are applying for a China Merchants Bank credit card, you need to be between 18 and 60 years old. If you can provide an ID card (the temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book), work You can try to apply for certificates and proof of income. If you apply for a car card, you need to attach a copy of the driving license in your name. If the local branch has clear regulations, the local branch regulations need to prevail. The verification of the credit card is subject to the final review result. shall prevail.

You can log in to the credit card website, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online, and wait for bank review , if you pass the preliminary review, our bank will first conduct a preliminary review. If you pass the preliminary review, there are two subsequent card application processes. One is if you pass the preliminary review, a card application officer will contact you to come to collect the card; the other is that you will receive a text message from our bank. The notification will ask you to go to the branch to sign and confirm the application or issue you a card directly. You can go to the counter to sign and activate the card. The details will be subject to notification from our bank after passing the preliminary review.

If you have already obtained the card and want to activate it, there are four common channels for self-service activation with the card:

1. Log in to the credit card website and click "Open Card (New Card Activation)" on the right ” and follow the prompts.

2. Select Selected - All - Card Management - One-click Card Opening on the Palm Life APP. You can also open a card by entering information according to the prompts.

3. Follow "China Merchants Bank Credit Card" on WeChat, click on the card opening progress and follow the prompts.

4. Dial 4008205555-4# to open the card - just follow the prompts.

Warm reminder: Please sign on the back of the card and keep it consistent with the signature on the application form.

If the card has been issued and you receive a text message asking you to go to any CMB counter for face-to-face signature, you need to apply for face-to-face activation at the counter. Please bring the face-to-face text message, original ID card and credit card to any CMB bank counter in person.

Requirements for applying for a credit card:

First: Proof of income. Applicants are required to fill in the name of their unit, as well as their monthly salary and position. This needs to be filled out truly, because the bank will confirm whether the applicant has sufficient repayment ability based on income.

Second: Credit report. The personal credit report must be good. If there has been an overdue loan or unpaid debt, then the application will be more difficult to pass. Credit reference is also a bank's measure of whether the applicant's credit is good, which will largely determine the success rate of the application.

Third: Proof of identity. Applicants are required to be adults over 18 years old and provide true and valid documents. Such as: ID card, passport, military ID card, etc.

The bank will verify and evaluate the applicant based on the above three conditions, and because everyone’s situation is different, the credit card limit applied for is also different. If the overall conditions are better, then the credit card The amount will be higher.

Can I open a credit card account on my mobile phone?

Yes

Credit cards can be processed on mobile phones. With the support of the Internet, all banks now have mobile banking and WeChat banking, and card applicants can apply for credit cards by themselves through these channels. Normally, you can do it on your mobile phone, and you just need to go to the bank to activate it after receiving the card. It should be noted that card applicants need to carefully distinguish the authenticity of the application link. Users can only apply in the link issued by the bank.

How to apply for a credit card for the first time?

Users can bring their ID cards and property certificates (such as salary cards, real estate certificates, social security payment records, and bank statements) to the bank counter, select the credit card they want to apply for, fill out the application form, and submit a copy of the information. That’s it. For first-time credit card users, after the credit card is approved and mailed successfully, they will be interviewed for activation and account opening.

Users can also apply for credit cards through the bank’s mobile banking, official website, WeChat official account and other channels.

For more information on how to apply for a credit card for the first time, go to: View more content

This is the end of the introduction on how to open a credit card account and how to open and cancel a credit card account. I don’t know. Did you find the information you needed?