Use this card to make up to 6 transactions of any amount through Alipay Express or WeChat Express, and you can receive gifts by logging in to Palm Life.

The CMB Young Card is a RMB credit card launched by China Merchants Bank that can only be applied for by non-student customers under the age of 30. After the user activates the online payment function, he or she sets the cumulative consumption limit. When the consumption reaches the limit, it needs to be reset, and the previous accumulation record will be cleared.

Extended information:

Main card annual fee: Regular card annual fee is 100 yuan.

Annual fee exemption policy: Unconditional exemption in the first year, swiping the card 6 times to waive the annual fee for the next year, and so on.

Cash advance limit: 100% of the credit limit.

Interest-free period: 18 days to 49 days.

Consumption verification method: signature+password.

Revolving credit interest (daily interest): 0.05% interest is charged every day.

Consumption text message notification fee: free text message notification for purchases over 100 yuan, no notification for purchases below 100 yuan.

Minimum repayment: The minimum repayment is 10% of the amount owed.

Billing dates: The 5th, 7th, 10th, 12th, 15th, 17th, 20th, 22nd, and 25th of each month are the billing dates. You can adjust the billing date when you open the card, and you can change it once after half a year.

Online payment: After the user activates the online payment function, he or she sets the cumulative consumption limit. When the consumption reaches the limit, it needs to be reset, and the previous accumulation record will be cleared.

Points method: 1 kilometer, 18 yuan, 20 yuan, 1 point, 1 point, 20 yuan.

Points validity period: valid forever.

Instalment application: Call China Merchants Bank customer service; the application time is from the day after the current bill date to two working days before the due date of repayment.

Instalment types: single installment, bill installment, shopping mall installment, online mall installment, mail order installment, telephone shopping installment, TV shopping installment, car purchase installment, home decoration installment, group installment.

Minimum installment amount: the minimum is RMB 1,000.

Instalment rate: 3 installments: 2.6%, 6 installments: 4.2%, 12 installments: 7.2%.

Deduction method: one-time payment.

Early repayment regulations: You can pay off in advance, but the handling fee collected will not be refunded.

China Merchants Bank-free credit upon payment of the full amount