1. What is a credit card? What are the benefits?
Credit card is a kind of bank card. Strictly speaking, credit card should contain transparency.
Branch, interest-free period and revolving credit are three basic characteristics. Due to historical reasons, credit cards
The concept of credit card is not particularly clear at present, so some banks call it credit card.
Credit cards can provide you with small unsecured loans, so that you can build a house.
Balance financial revenue and expenditure and stabilize personal cash flow. Credit cards also have credit accumulation and points.
Multiple functions such as shopping during the period are powerful tools for personal financial management.
2. What is a young card? How to apply?
Young card is the first dual-currency international letter launched by China Merchants Bank for China students.
With one card, in addition to "consumption first, repayment later" and "two coins for one card, universal",
In addition to the characteristics of China Merchants Bank's credit card standard, more college students have introduced "credit"
Exclusive functions such as "report" and "monthly withdrawal without the first handling fee" will make you enjoy yourself.
Enjoy using the Young card!
Young card can be applied as long as your ID card+student ID card.
I am a student of grade X in XX school. Can I apply?
At present, we accept full-time postgraduate applications from our university. Invite schools and grades to participate.
List of schools that can apply for the exam published on the website. If the above conditions are met, then
You can apply.
4. How soon can I get the Young card?
Generally speaking, because the card center receives the application (you can check the application progress on the website)
Found in) 14 working days for approval. You can enter it directly in the application progress query.
Check the ID number.
What is the credit limit of 5.5? Young card?
The credit limit of a young card is related to the level of study. At present, the undergraduate course is 3000 yuan.
5,000 yuan for undergraduates and 8,000 yuan for doctoral students.
6. How to charge 6? Young's annual fee?
The annual fee for the Youth Card is RMB 65,438+000, and the annual fee for the first year will be paid by our bank. Credit card 6 is currently implemented.
Free annual fee policy for next year. There is no limit on the credit card, and online payment is included in the credit card.
frequency
7. Do you need to pay a handling fee for credit card consumption?
Ordinary credit card consumption transactions do not require the cardholder to bear the handling fee. But some stores are staged.
Merchants will charge fees.
8. What's the charge for withdrawing cash from 8 o'clock? Young card? Will you charge interest?
Cash withdrawal of young cards is exempted from the first cash advance fee every month, and the number of times exceeded is currently based on
1% charged the cash advance fee at the lowest preferential rate 10 yuan, which was 1 in 2006.
Future rates are subject to the announcement. If the withdrawal amount is all pre-deposit (i.e. overflow
Payment), no need to pay interest; However, if the account is overdrawn after cash withdrawal, then
The overdraft part shall be charged with interest at the rate of 0.5 ‰ per day from the same day. Young kaqu
There is no difference in the collection of current expenses.
9. What is 9' s credit report? Young card?
The report, issued by the Credit Card Center of China Merchants Bank, is aimed at young cardholders, saying
Credit status report of credit card before the date of issuance. The content includes the cardholder
Name, gender, date of card issuance, time of card issuance, and credit history during card issuance.
Evaluation, etc. Issue a unified credit report upon graduation. It's also after holding the card for half a year
You can take the initiative to apply to China Merchants Bank Credit Card Center for issuing cards. If the distribution requirements are met,
I will send them to you separately, but there will be a handling fee of 5 yuan/copy.
10 How to withdraw cash? Young card? How to remit money?
To use Young to withdraw cash, you must first apply for a pre-borrowed cash password and credit it in China Merchants Bank.
Card website and 800 free service phone can be set, I suggest you receive young.
Opening a card is to set a password. Young card provides 1 time for college students every month.
Free cash withdrawal discount, all UnionPay networked ATMs in China, all tricks.
There are outlets in commercial banks. Just choose China Merchants Bank to remit money to Young card.
Any outlet in the country can be used as an account bank, and the card number can be used as an account number for remittance.
It is suggested to choose the outlets in the same city to remit money, so as to save the handling fee charged by remittance banks. work
As the receiver, China Merchants Bank does not charge any handling fee. If you deposit it directly at the outlet, you can deposit it.
The money is completely free.
1 1. How to buy things with Young card?
Give the young card to the cashier. Don't let the card leave your sight. Take it.
The cashier swipes the card on the credit card machine and enters the amount. Because most people in China are used to it.
Debit card, so some cashiers will ask you to enter your password, press confirm or enter it directly.
Any number of 6 digits will do. Please check the card number on the bill and your own card number in detail after making the bill.
Whether it matches, then check whether the amount is correct, and then sign the card in the signature column.
Same signature on the back. Don't forget to get Young back after the cashier confirms it.
The card is linked with the stub for the cardholder to check the bill.
12. How to buy things online with Young card?
One Netcom Shopping: Most domestic websites support China Merchants Bank and one Netcom Payment.
As long as you log on to the credit card website of China Merchants Bank and set the limit, you can use it. branch
When paying, you need to enter the card number and other necessary transaction information, the validity period and the signature on the back of the card.
Three digits at the end of the column, password. The password used here is to log in to the online banking office.
The query password used.
Overseas online shopping: First of all, I suggest you try to shop on large well-known websites.
Guarantee your rights and interests. Secondly, it is recommended that you use a secure online payment service.
The secure online payment that has been opened before is a VISA verification service, which can be root when trading.
Confirm the legality of the website according to the reserved personality information, and enter the card number and other necessary documents.
Easy information, at the same time, you still need to enter the transaction password before trading.
What is 13.e management?
Considering the actual situation of college students and the current situation of sending and receiving emails on campus,
Youth card bills and related notifications are sent by email instead of
Send a paper letter. On the one hand, this ensures the security of your information, but also allows you to
You can get the information about the Young card as quickly as possible, which truly reflects the E era.
The characteristics of several generations. Please note that you must fill in your usual email address when applying.
Address, and pay attention to fill in correctly. If you find that you have not received the credit card from China Merchants Bank,
Please log on to the credit card website in time to check the previously set email address.
Whether the box is correct.
14. how to buy things by stages with Young card?
There are two ways to buy things by installment with Young card, one is mail order.
Period, first, store staging. Mail order installment only needs to log in to China Merchants Bank for credit.
After the card will be registered, it can be inspected and bought. There are still
A place to exchange points. Please log on to the credit card website of China Merchants Bank for store staging first.
Inquire about the list of businesses that can be staged, and then select businesses to go to the site.
Buy by installment.
Friendly reminder: how many goods can be purchased in installments, and what is the credit status?
Yes, please keep a good credit record, use your card frequently and pay back the money.
Correct cardholders will score higher than those who don't use them at all. Then there is
The amount of installment payment is related to your credit limit. Don't choose to exceed your credit limit.
Use commodities with excessive quotas.
15 is ok. Can Young cards be used abroad?
Young card is a dual-currency international credit card in line with international standards, with more than 200 overseas credit cards.
All countries and regions can use it conveniently. Overseas transactions can be purchased in RMB.
Remittance repayment (subject to relevant national regulations). It also supports international online payment,
You can also buy foreign things at home. Really achieve a card in hand, universal.
16. How to repay the young card?
Recruit young cards to design a variety of repayment methods. You can use China Merchants Bank.
Point, self-service banking, online banking, transfer and remittance and other ways to repay.
Friendly reminder: When China Merchants Bank credit cards are deposited in our outlets and self-service machines,
There is no handling fee. Parents can directly transfer their living expenses to other places.
If you deposit it in your card, you can withdraw it directly locally.