What is the general credit limit of China Merchants Bank?

1. What is the general credit limit of China Merchants Bank?

Generally, the credit card limit of China Merchants Bank is related to the card level. The limits are: 1. Regular card limit is between 1,000 yuan and 10,000 yuan; 2. Gold card limit is between 10,000 yuan and 50,000 yuan. between; 3. The limit of Platinum Card is more than 50,000 yuan. China Merchants Bank prefers users with a high credit card usage rate, so if you want to increase your credit card limit, you must ensure that you use the card frequently. It is best to have a monthly consumption limit of 80% of the total card limit. However, it should be noted that you should never completely empty your credit card in one go. Even if the limit is only a few thousand yuan, you should try to avoid this situation.

2. Don’t waste money with nothing

The empty limit cannot often appear in integer values, such as 5000, 2000, etc. This is quite different from the normal consumption limit. After all, most of the current products are sold with fractions. This amount of consumption can easily be regarded as cashing out by the bank. Not only will there be no hope of raising the amount, but it will also easily lead to the risk control of the card. Although many credit cards now support binding to online consumption channels such as Alipay, not all cards can enjoy points for online consumption, and banks will prefer consumption with points, so you have to make a decision based on the actual situation of your card.

3. The credit limit increase of China Merchants Bank is mainly closely related to everyone’s card use.

Because banks will judge the current personal qualifications of cardholders based on their daily consumption behavior, especially their wealth capabilities, which is the focus of their attention. If you want to know whether your card swiping behavior meets the requirements of China Merchants Bank, you can use the card evaluation to test it. This is a professional credit card testing platform. The testing reports provided internally are completely based on the risk control systems of benchmark banks, and it is connected to a number of large data institutions to ensure the accuracy of the analysis results provided. Therefore, with the help of card reviews, you can improve your credit card limit increase success rate. If you need to apply again, you can also pass the estimated credit limit test of the card evaluation to help you avoid wasting the number of credit inquiries.

What is the full-currency international credit card limit of China Merchants Bank Credit Card?

Hello, when applying for a China Merchants Bank credit card, the fixed limit range for ordinary cards is generally ￥1,000-￥10,000. The card's fixed limit ranges from RMB 10,000 to RMB 50,000. The specific limit is subject to the review results.

What is the general limit of China Merchants Credit Card?

The credit limit (fixed limit) of China Merchants Bank Credit Card starts from 1,000 yuan or the equivalent in US dollars, and the upper limit is 50,000 yuan or the equivalent in US dollars. Under normal circumstances, the fixed limit range of regular cards is 1,000 yuan-10,000 yuan, and the fixed limit range of gold cards is 10,000 yuan-50,000 yuan.

The limit of the Platinum Card is generally a fixed limit of 50,000 yuan plus a temporary limit that is automatically adjusted for you every month. At that time, you can use the combined limit of the two parts for swiping the card for consumption.

China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is completely owned by corporate legal persons. It is also the first pilot project of the country to promote banking industry reform from outside the system. bank.

The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22. Net capital exceeds 290 billion and total assets exceed 4.4 trillion.

China Merchants Bank’s development goal is to become China’s leading retail bank. In September 1999, China's first online bank, All-In-One, was launched and became a widely used online payment tool for many enterprises and e-commerce websites, which to a certain extent promoted the development of China's e-commerce. On April 2, 2015, China Merchants Group Co., Ltd. planned a major event. In order to ensure fair information disclosure, protect the interests of investors, and avoid causing abnormal fluctuations in the company’s stock price, upon the company’s application, the company’s stocks will be open for trading on April 3, 2015. Trading suspension.

As of the first half of 2017, China Merchants Bank has more than 1,800 domestic and overseas branches, has established service outlets in more than 130 cities in mainland China, has 5 overseas branches and 3 overseas representative offices, and has 7 employees. More than 10,000 people. In addition, China Merchants Bank also wholly owns China Merchants Bank Financial Leasing Co., Ltd., controls China Merchants Fund Management Co., Ltd., holds 50% of the equity of China Merchants Cigna Life Insurance Co., Ltd., and 50% of the equity of China Merchants United Consumer Finance Company; it is wholly owned in Hong Kong Controls Wing Lung Bank Co., Ltd. and CMB International Financial Holdings Co., Ltd.

Since it was first shortlisted for the Fortune Global 500 in 2012, it has been shortlisted for seven consecutive years. In 2018, it ranked 213th on the Fortune Global 500. On June 26, 2019, eight banks including China Merchants Bank were among the first to launch online enterprise information verification systems. In July 2019, the 2019 Fortune Global 500 was released, ranking 188th.

China Merchants Bank products and services:

Debit card: divided into all-in-one card and golden sunflower card, with functions including fixed current deposits, multiple savings types, multiple currencies, and multi-functions.

Credit card: A credit card in the form of chip + magnetic stripe, with all the functions of a credit card such as overdraft and points.

Golden Sunflower Financial Management: A comprehensive financial management service system for high-end individual customers, covering liabilities, assets, intermediary business and financial consulting.

CIGNA: Cigna Asset Management has been approved to establish and will become the fourth foreign-funded insurance asset management company.

What is the limit of China Merchants Bank’s credit card?

The limit of China Merchants Bank’s credit card is 3,000 to 10,000 yuan, and the gold card limit is 10,000 to 50,000 yuan. Customers apply for a fixed limit for a credit card It is comprehensively evaluated based on the information submitted, and the final review result shall prevail. (Multiple credit cards under the same account*** enjoy the same limit)

Application conditions

(1) Chinese applicants who are over 18 years old, have full capacity for civil conduct, and have good credit standing Residents, foreigners permanently residing in China, and compatriots from Hong Kong, Macao and Taiwan can apply for a personal credit card master card from the card issuer with their valid identity documents.

The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply to cancel the supplementary card at any time.

(2) Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic deposit account in a financial institution within the territory of China and has independent legal person status can apply for a basic deposit account issued by the People's Bank of China. Apply for an organization card from the card issuer with the basic deposit account opening license and other supporting documents (if you need to apply for an international organization card, you must also have a foreign exchange settlement account).

The qualification of the company card holder shall be designated and revoked in writing by the legal representative of the company or his authorized person. The applicant unit shall bear all debts incurred by the unit card.

(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully according to the card issuer's regulations and submit relevant supporting documents required by the card issuer, and agree to the card issuer's request to any Relevant departments, units and individuals understand and inquire about the credit status of applicants, and retain and use relevant data.

(4) The card issuer shall decide whether to issue a card based on the applicant's credit status, whether to require the applicant to provide guarantee and the method of guarantee, determine the method and type of card collection, and the credit limit to be granted to the applicant, etc. . Unsuccessful application materials will not be returned.

(5) The ways in which the applicant provides guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract should be signed separately for guarantee. The scope of guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest of overdrafts within the credit limit and overdrafts beyond the credit limit, over-limit fees, late fees and recourse fees).

(6) After receiving the credit card, the cardholder should immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card for transactions, otherwise, The cardholder is responsible for any losses incurred. The card issuer also provides cardholders with inquiry passwords and transaction passwords (i.e. cash advance passwords and card consumption passwords) through designated channels.

This concludes the introduction to China Merchants Bank’s international credit card limits and China Merchants Bank’s all-currency international credit card limits. Have you found the information you need?