What is the meaning of window transfer of China Merchants Credit Card?
Window transfer requires the recipient to bring the ID to the post office counter to collect it. Window drops are usually delivered three times. If the recipient cannot be found or the recipient is not at home, and the delivery cannot be made, the parcel will be temporarily deposited at the post office counter and will be collected by the recipient himself.
Supplement:
If it is a China Merchants Bank credit card, after the credit card center receives the application materials, it usually takes 10 working days to review. After the card is approved and the card is sent, the customer will be reminded by text message . Generally, you can receive the card within 15 days of receiving the card notification text message.
How to apply for a credit card?
When everyone first knew that when applying for a credit card, they all applied through bank branches, of course, bank official websites, roadside stalls, and door-to-door card processing. , third-party websites authorized by banks, etc. Each method is suitable for different groups of people.
1. Application at a bank outlet
This is the most original and basic way to apply for a credit card. Applicants only need to bring relevant materials and go to the bank branch to submit the application. Suitable objects: Newbies, those who are new to the workplace, friends who want to apply for a large-limit card, etc.
Advantages:
a. High security: In comparison, customer information is safer through the outlet card application channel, and the risk of information leakage is very small;
b. Comprehensive application materials and high card withdrawal limit: Applicants should submit the most comprehensive application materials together, including proof of identity, work certificate, financial resources, house and car certificates, etc. The more complete the materials, the better, and the credit limit It is also bigger;
Disadvantages:
The slowest approval speed: the applicant submits the materials to the bank branch, and then sends them to the head office from the branch or branch branch, and undergoes qualification review by the head office Only then can the approval be completed. In addition, branch branches usually accumulate a batch of application materials and send them to the head office at a certain point in time. From submitting the materials to finally getting the card, there are many applicants who have to wait for up to a month.
2. Application on the bank’s official website
Applicants can log in to the bank’s official website to apply online. Suitable people: People who have worked for many years, people who already have credit cards, etc. Suitable banks: Banks with relatively relaxed review procedures (Bank of Communications, Guangfa, Ping An, CITIC, Shanghai Pudong Development, etc.).
Advantages:
a. Saving time and effort: There is no need to go to a bank branch in person, which saves time and effort.
b. Fast approval: After submitting the application information on the website, the information will be immediately sent to the bank's credit card center for review.
Disadvantages:
a. Difficulty in approval: The biggest drawback of online submission is that you cannot submit paper materials. The lack of relevant materials may cause bias in the bank's qualification review.
b. Low credit limit: The credit limit for online applications is relatively low. On the one hand, it is related to the information we submitted. On the other hand, banks are more cautious about online applications and the credit limit granted is also relatively low.
3. Application at roadside stalls
There will be people applying for cards at supermarket entrances, subway entrances, roadsides, around office buildings and other places. If you apply for a card through them, you will usually receive small gifts. Suitable people: People who are woolly enthusiasts, people with ordinary qualifications, etc.
Advantages: The probability of being approved through this application method is higher, and the card application procedure is relatively simple.
Disadvantages: There is a risk of leaking personal privacy and causing property losses to the applicant.
4. The salesperson will come to apply for the card
Contact the credit card center of the relevant bank by phone and express your intention to apply for the card. Then the credit card salesperson will come to your door to accept the card. Applicants also do not need to go to bank branches in person and wait for the card application staff to come to apply for the card. Suitable people: people who are busy at work, people who apply for a card for the first time, etc.
Advantages: a. Apply for the card without leaving home;
b. Compared with online application, the subsequent interview process is omitted.
Disadvantages: It takes a relatively long time, and you need to wait for the salesperson to come to your door, usually ranging from 1 to 3 days.
5. Application from a third-party website authorized by the bank
In addition to applying on the bank’s official website, applicants can also log in to the credit card window platform to maintain a cooperative relationship with the bank and obtain the bank’s official website Apply through the authorized official website. No fees will be charged during the entire process. After clicking Apply Now, you will automatically jump to the bank's official website. All information is filled in on the bank's official website. In terms of security, it is at the same level as the bank's official website. Suitable people: all kinds of people.
Advantages: There is a lot of choice, and you can choose from all bank credit cards;
Disadvantages: Be aware of the authenticity of the website and beware of entering some phishing websites.
How to open the China Merchants Bank credit card Alipay service window
Select the purchased goods on the merchant website, log in to the third-party partner's payment account, click "Credit Card" - "China Merchants Bank" -
"Next step", to enter the activation page of quick payment for the first time, you need to enter the credit card used for payment, validity period, cardholder name, mobile phone number registered with our bank, and finally enter the "verification code" ”, after the information is verified to be correct, it will prompt that the activation is successful. Warm reminder: If your mobile phone number registered with our bank changes, or the credit card bound for debit when activating quick payment changes due to loss report, etc., please call our bank to update your mobile phone number and use the new credit card information again. Re-open the quick payment service in a third party.
How long does it take to apply for a credit card at the credit card window
There are two ways to apply for a credit card: online application and bank branch application.
Online application: The review process is completed within 10 working days, and the general delivery process basically arrives within 15 working days, so it generally takes 25 working days for the applicant to receive and use the credit card.
Application at bank branches: After the card is approved, the bank will produce a new card within 3 working days. Regular and gold cards are sent by registered mail, which takes about 7-15 working days. Platinum cards and set cards are sent via EMS, which takes about 3-5 working days.
The bank will refer to the card holder’s personal situation: such as age, job stability, income, personal credit and other aspects to help you conduct a comprehensive review.
How to apply for a credit card with Alipay?
1. Open the credit life in Alipay Zhima Credit and find that in addition to adding selected services, the newly revised credit life of Alipay also provides fast card application. Function, currently there are two banks including China Everbright Bank and China Minsheng Bank. Taking Minsheng Bank as an example, at the Alipay China Minsheng Bank credit card service window, you can apply for about 20 card types, including Minsheng Women's Flower Credit Card, Minsheng In Card Credit Card, and Minsheng Baidu Takeaway Co-branded Credit Card. Users can apply for a credit card online by opening Sesame Credit in the Alipay App and clicking on Credit Life China Everbright Bank Credit Card. After applying online, the bank will conduct a credit assessment, and high-quality users with good credit records can issue cards as soon as the same day.
2. At present, many commercial banks have tested Zhima Credit products.