Which car card is better? Analysis of China Merchants Bank CarCard Car Credit Card

China Merchants Bank "CarCard Car Credit Card" is a gold card set specially tailored for car owners. It is divided into two parts: standard large card and special-shaped small card.

The unique design of China Merchants Bank CarCard car credit card package

Here we should focus on the card package. Card set refers to including two cards, a large card and a small card, when applying for a credit card. The large card is a standard card type and is customized according to the rules. The size of the small card is only 43% of the standard card, and there is a small hole design in the lower left corner suitable for wear.

In terms of card pattern design, the letter C in CAR is replaced by the graphic of a car steering wheel on the large card surface. The special attributes of the car card are vividly expressed. There is also a sunflower pattern printed on the steering wheel, highlighting the two characters. The brand equity of China Merchants Bank. The card surface adopts a special-shaped design, and the edges of the card surface are outlined along the lines of the car body, fully embodying the unique and personalized color of the car card.

Features and Features of China Merchants Bank CarCard Auto Credit Card

1. Exclusive rebate discounts for designated gas stations

During the event period, holders of China Merchants Bank CarCard Auto Credit Card When you refuel at designated cooperative gas stations, you will have the opportunity to enjoy up to 5% rebate on refueling. The rebate will be directly withdrawn from your credit statement (for specific event time and participation methods, please refer to our bank's announcement)

2. Points Acceleration Plan

"CarCard Auto Credit Card" can accumulate CarCard points by swiping the card for consumption or cash advance. China Merchants Bank provides you with an exclusive feedback mechanism, which is different from the points accumulated by other credit cards.

According to the existing points rules (for every RMB 20 or USD 2 spent, 1 point is accumulated), an additional 50% of points will be given (round up the points), and the CarCard points are valid for three years (naturally) Year).

3. The first special-shaped car credit card in China

The "CarCard car credit card" consists of a small black card, the small one showing a car switch, which can be directly tied to the car key. Beautiful and practical.

4. Exclusive refueling discount for private car owners

New cardholders can get up to 5% rebate on refueling. From July 1, 2014 to December 31, 2014, any new cardholder who successfully applies for and is issued a CMB CarCard can recharge their fuel card by swiping their CarCard credit card at designated Sinopec cooperative fueling points within one natural month after the card is issued. Enjoy exclusive rebates on refueling amount, which is 3% on weekdays and up to 5% on Fridays!

Customers who already hold the card can get up to 5% gas rebate. From July 1, 2014 to December 31, 2014, existing CarCard customers of China Merchants Bank can earn points for non-gas consumption by swiping their CarCard credit card over RMB 1,000 in the month. They can recharge their gas cards by swiping their cards at designated Sinopec cooperative gas stations. Enjoy exclusive rebates on refueling amount, which is 3% on weekdays and up to 5% on Fridays.

Editor's reminder: Although it is undeniable that the novel design and complete functions of the China Merchants Bank CarCard are quite satisfying, the corresponding service fee collection needs to be particularly eye-catching. The annual fee for China Merchants Bank's CarCard car credit card is as high as 300 yuan, and the annual fee for the supplementary card is 150 yuan, which is much higher than that of ordinary credit cards. This is probably the biggest factor that hinders ordinary applicants from applying for a card.

Is it easy to apply for China Merchants Carcard car credit card? What are the requirements?

China Merchants Bank has carefully created a CarCard car credit card for car owners. With this card, you can enjoy China Merchants Bank's special gas rebate activities. So, is this card easy to apply for? What conditions need to be met?

1. Application conditions

1. Age requirements: Applicants must be between 18 and 60 years old, and must not be less than 18 years old, nor over 60 years old;

2. Job requirements: A stable job and a fixed income are required;

3. Credit requirements: No bad credit record. The better the personal record, the higher the application success rate and credit limit.

In general, the application conditions for China Merchants Bank CarCard automobile credit card are no different from other China Merchants Bank credit cards. As long as everyone fills in the information completely and truthfully when applying, it is enough. If you can also provide the following information, more It will be easier to pass the review.

China Merchants Carcard Car Credit Card

(Up to 5% gas discount, installment car purchase discount, 150% points accumulation policy)

2. Provide information

1. Proof of identity: usually a copy of the ID card. Soldiers need to provide a copy of the military ID card;

2. Proof of employment: it can be the original work certificate or work permit issued by the unit where you work. Copy of license plate;

3. Proof of financial resources: bank statements, income tax withholding certificates, real estate certificates, vehicle certificates, deposits and investment market value certificates, etc. This item does not have strict requirements. The better the financial situation, the higher the approval amount.

Chinese Merchants Carcard car credit card points rules

Chinese Merchants Bank credit card points have many benefits. The most attractive thing for cardholders is that it can be redeemed for airline miles. Many cardholders apply for this reason. . However, just knowing the benefits of points is not enough. As a qualified cardholder, it is necessary to understand the points rules of credit cards. Let’s take the China Merchants Carcard car credit card as an example to introduce it to you.

Points are earned for card purchases at restaurants, hotels, department stores, and other retail stores, but this point accumulation rule is a bit confusing.

Most banks give you 1 point for spending 1 yuan, but China Merchants Bank is too stingy. It only gives 1 point for a single purchase of 20 yuan, and only a fraction of the purchase of less than 20 yuan or more than 20 yuan. They are all contributing to the bank.

However, credit cards such as China Merchants Carcard have a slight advantage over other types of credit cards in terms of points. Car cards, city-themed credit cards, and FAW-Toyota co-branded credit cards accumulate 1 point for every 20 yuan or 2 US dollars. An additional 50% of points will be given (the points value is rounded up to an integer), and exclusive points will be accumulated.

Although China Merchants Bank’s points rules are a bit harsh, it does not mean that its points are useless. Compared with points from other banks, CMB credit card points allow cardholders to enjoy real benefits.

China Merchants Carcard Car Credit Card

(Up to 5% discount on gas, discount on installment car purchase, 150% points accumulation policy)

Have used China Merchants Bank points on credit cards Cardholders who have redeemed products at the central mall said that they saw a bedding of the same style and only needed 25,000 points to redeem it, while other banks required 50,000 yuan.

However, according to the points accumulation rules, there is actually not much difference between the two banks. In terms of a 1:1 points ratio, both require 5,000 points to redeem.

Moreover, the validity period of the points of China Merchants Bank Credit Card is permanent. That is to say, even if the points you want to redeem for a certain gift are a little short, you don’t need to spend blindly in order to collect enough points within the validity period. It’s normal. Just accumulate.

Note:

1. The points of the main card and supplementary card of China Merchants Credit Card are combined and counted under the name of the main card; if some co-branded cards have special regulations, the points will not be combined.

2. If the goods or services purchased with the card are returned due to any account refund, or for any other reason, or if the money is refunded due to billing disputes or other reasons, the points that have been previously earned will be China Merchants Bank will adjust the refund amount in proportion.

That’s it for the introduction of China Merchants Bank Automobile Card and Credit Card.