application conditions
(1) China residents, foreigners living in China, compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18, have full capacity for civil conduct and have good credit standing can apply to the card issuer for a personal credit card master card with their valid identity documents. Personal card holders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.
(2) Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic account in financial institutions in China can apply for corporate cards from card issuers with supporting documents such as basic account account opening permit issued by the People's Bank of China (if applying for international corporate cards, they must also have foreign exchange settlement accounts). The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. The applicant 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 and submit the relevant supporting documents required by the credit card issuer, and agree that the credit card issuer can inquire about the applicant's credit status from any relevant departments, units and individuals, and keep and use relevant data.
(4) according to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the way of guarantee, and determines the way and type of obtaining the card, and the credit line approved to the applicant. Failed application materials will not be returned.
(5) The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all the debts incurred by the cardholder under his credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and beyond the credit limit).
(6) after receiving the credit card, the cardholder shall 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 shall be responsible for the losses arising therefrom. Card issuers also provide cardholders with inquiry passwords and transaction passwords (i.e. cash advance passwords and credit card consumption passwords) through designated channels.
Application method
Store handling; The staff of the credit card department of the local branch of China Merchants Bank came to the door to handle the card; Make an appointment online and pick it up at home.
online booking application qualification: the application conditions for "easy booking and door-to-door card handling" include but are not limited to the following three points, and whether or not the door-to-door card handling conditions are finally met
is still subject to the review of China Merchants Bank Credit Card Center.
① People in China (please provide ID number): 18 to 6 years old;
② Have a stable occupation and income, good credit and the ability to repay the interest on time; (Students are not allowed to apply)
③ The area is in line with the door-to-door collection service of China Merchants Bank Credit Card Center. See the online information filling page for details.
New households apply for gifts and recommend card gifts:
1. During different activities, new households who handle different cards will have different gifts or points.
2. Recommend friends to apply for cards or apply for supplementary cards for relatives, and there may be corresponding gifts.
application materials
1. identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and the soldiers need to provide a copy of the military ID card;
2. Work certificate: it can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit \ card verified by the promoter and marked;
3. proof of financial resources: it can be the payroll record issued by the bank, or the income tax withholding certificate, or the documents proving the market value of the house, car, deposit and investment (such as the copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your financial level.
4. Other documents for reference include: personal account list of social insurance in recent 6 months, water and gas bills, credit card bills of other banks, etc.
if you are a self-employed person, you can provide your self-employed business license and tax bills for the last three months, and you can also provide other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license; Bank time deposit certificates can prove your financial level.