1. First, customers who open a personal account with China Merchants Bank and have an average daily total assets (equivalent to RMB) of not less than 500,000 yuan under the same ID card name can manage their golden sunflower card free of charge.
2. The second is to provide a three-month free management experience period for customers who open golden sunflower card for the first time. The time is accumulated from the month of card opening to the fourth month of card opening, and the management fee is calculated according to the regulations.
3. Third, customers who use sunflower cards to repay personal loans, such as housing mortgage loans, automobile mortgage loans and personal business belts. , can be exempted from account management fees. However, if the customer has more than one sunflower card at the same time, in addition to repayment, other cards still need to be charged management fees.
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1. The electronic card of China Merchants Bank is also called China Merchants Bank UnionPay e-card. This is an electronic credit card issued by the credit card department to the credit card applicant after applying for a credit card. When the applicant does not receive the physical credit card, he can use the electronic credit card for spending. The bill of electronic credit card is the same as that of physical credit card. The amount of electronic card and credit card is shared, and the electronic card is free of annual fee. The credit card electronic card of China Merchants Bank refers to the electronic card of China Merchants Bank, also called electronic card or virtual card. It belongs to a credit card, but there is no physical card. Except for businesses that require physical cards such as counter withdrawal and POS card swiping, other credit cards have the same functions as physical credit cards. Users will have a certain annual fee or small account management fee when using the e-card of China Merchants Bank. China Merchants Bank stipulates: users who hold China Merchants Bank electronic cards. If the average daily balance in the card does not exceed 1 1,000 yuan, the 3 yuan small account management fee shall be paid monthly.
2. The electronic card of China Merchants Bank is a virtual bank card issued by China Merchants Bank. This bank card belongs to the "third bank card" in bank cards. If the bank card does not match the physical card, the electronic card of China Merchants Bank must be bound to other payment software before it can be used. All the functions and services that ordinary savings cards can handle are also available in China Merchants Bank electronic cards. The biggest difference between the electronic card of China Merchants Bank and the physical card is that when online consumption, the physical card can be swiped directly through the POS machine, while the electronic card of China Merchants Bank can only be paid by scanning code or touching devices such as mobile phones.
Third, the application process:
Users who apply for an electronic credit card for the first time can only open an electronic credit card through the pad channel. Applicants need to communicate with the personnel of the bank credit department in advance to apply for registration. When the staff of the credit department go to the door to apply, fill in the application information form on the pad, and check "Apply for Virtual Card" to complete the application for the electronic card of China Merchants Bank, users with existing credit cards can log in to "Mobile Banking Life" of China Merchants Bank and select "Select-Card Family Photo-Virtual Card" to apply for an electronic card.