How to check the credit limit of China Merchants Bank

1. Inquiry of credit card limit of China Merchants Bank - telephone inquiry

Customer service hotline: 8008205555

2. China Merchants Bank credit card limit inquiry Credit card limit inquiry - SMS inquiry

Currently only mobile users can use the mobile phone number filled in when applying for a credit card to send ED to 1065795555 (0.1/item)

3. China Merchants Bank credit card limit inquiry -Online Banking

After receiving the card, you can register the all-in-one card and log in to online banking to check.

China Merchants Bank

China Merchants Bank is the first state-owned joint-stock commercial bank in China that is completely owned by corporate legal persons, referred to as China Merchants Bank. It was established on April 8, 1987. Founded by China Merchants Group Co., Ltd., a state-owned enterprise based in Hong Kong, it is the fifth largest bank in mainland China by market capitalization and one of the eight banks and five guarantees for Chinese financial stocks in Hong Kong.

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. It has 113 branches and 943 sub-branches in more than 110 cities in mainland China, 1 branch-level specialized institution (Credit Card Center), 1 representative office, 2,330 self-service banks, one branch in Hong Kong (Hong Kong Branch), and one branch in the United States. It has a branch and representative office in New York, a Singapore branch in Singapore, and representative offices in London and Taipei.

China Merchants Bank’s development goal is to become China’s leading retail bank. The all-in-one bank card was launched in July 1995, and China's first online banking all-in-one was launched in September 1999. It has become a widely used online payment tool for many enterprises and e-commerce websites, and has promoted the development of China's e-commerce to a certain extent.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

How to check the overdraft limit of China Merchants Credit Card?

If you want to check the overdraft limit of China Merchants Credit Card, you can try the following methods:

Log in to the China Merchants Bank website or mobile banking, enter the "My Credit Card" page, and check the card details. Usually, you can check the available limit and overdraft limit of a China Merchants Credit Card on the card details page.

Call the customer service hotline of China Merchants Bank to inquire about the overdraft limit. The customer service hotline of China Merchants Bank is generally 95555. After dialing, select "Credit Card Services" according to the voice prompts, and then follow the prompts to inquire about the overdraft limit.

Inquire about the overdraft limit at a China Merchants Bank branch. China Merchants Bank has branches all over the country. You can go to the branches to inquire about the overdraft limit. When consulting at a business outlet, you need to present a valid ID and credit card, and the staff will provide you with overdraft limit inquiry services.

In short, the overdraft limit of China Merchants Credit Card can be checked by logging into the website or mobile banking, calling the customer service number, or going to a business outlet. It is recommended that you choose an appropriate method to check your overdraft limit based on your actual situation.

How to check the credit card limit of China Merchants Bank

There are three ways to check the credit card limit of China Merchants Bank:

1. Check the credit card limit through China Merchants Bank online banking. You can check your credit limit information by logging into My Account Information of China Merchants Bank Credit Card Online Banking.

2. Call China Merchants Bank’s credit card customer service hotline to check the credit limit. You can call the China Merchants Bank Credit Card Center at 8008205555 to check your credit card limit.

3. Inquire about China Merchants Bank credit card limit via SMS.

Mobile users can use the mobile phone number filled in when applying for a credit card to send ED to 1065795555 (0.1/entry) to check the credit card limit of China Merchants Bank.

1. Introduction to the credit limit

Since the credit limit is an unsecured loan amount, the amount is usually not too high and will be determined based on the conditions provided by the borrower. This means that the borrower must have a higher credit limit and the borrower's various conditions must be quite good, so that the lender will be willing to provide a higher loan amount.

2. Credit card limit

Relationship limit: If a user of ICBC has more than two credit cards, he actually has a credit card limit with a higher limit, and a credit card with a lower limit actually has a credit card limit. The above means that you are using a card with a higher limit. If you use a credit card with a lower limit, not only will the limit of the credit card with a low limit be deducted, but the limit of the credit card with a high limit will also be deducted accordingly.

3. ***Exclusive quota

***Exclusive quota: This is when a credit card holder applies for several credit cards from a bank, and the limit of these credit cards is ** For the *exclusive, cardholders swipe one of the credit cards to make a purchase, and the credit card limit for the *exclusive limit will be reduced accordingly.

4. Relationship accounts

Relationship accounts: ICBC has a total credit limit for credit card holders. Accounts within the total credit limit are set to be linked together. All credit card accounts of card customers are called linked accounts. After an account is linked, it is called a linked account, also called a relationship account.

5. Integral

Generally, it is automatically calculated by the computer, and the computer will first set a certain formula. After entering certain conditions, the computer program will automatically run the lender's points. As long as a certain point is reached, the applicable credit limit and interest rate will be known. The results generated are all fixed and cannot be changed by individuals. The credit limit can only be increased by improving the borrower's conditions and recalculating points.

I would like to ask how to check the limit after CMB’s credit card has been approved

The method to check the limit after CMB’s credit card has been approved is as follows

1. WeChat public account inquiry

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1. Follow the official WeChat account of China Merchants Bank Credit Card on WeChat.

2. Click Query Now in the menu bar below China Merchants Bank Credit Card to view the credit card limit.

2. CMB APP inquiry

1. Log in to CMB Credit Card Mobile Life.

2. After logging in, you can see the credit limit.