1. It is normal to receive a credit card from China Merchants Bank out of nowhere. The credit card departments of their banks all know each other. In order to achieve better results, it is very possible to exchange customer information with each other. . If you have consulted by phone before about the procedures and procedures for applying for a credit card. Then the bank can handle it for you over the phone, and no information is required.

First confirm that it is your name. If someone else has entered the wrong address, mail it to you.

After confirming that it is yours, if you don’t want to use it, call or go to your bank to cancel the card. Can.

2. Another situation is that if your previous credit card is about to expire, the bank will send you a new card in advance.

Supplementary information:

For China Merchants Bank credit card, if you don’t want to use it, just don’t activate it. If the card does not involve a production fee, the credit card you apply for will not be charged an annual fee before the card is opened. .

Extended information:

Credit card application conditions of China Merchants Bank

(1) Chinese residents who are over 18 years old, have full capacity for civil conduct, and have good credit standing, Foreigners and compatriots from Hong Kong, Macao and Taiwan who permanently reside in China can apply for a personal credit card master card from the card issuer with their valid identity documents. The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply to cancel the supplementary card at any time.

(2) Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic deposit account in a financial institution within China and has independent legal person status can submit a deposit account issued by the People's Bank of China. Apply for an organization card from the card issuer with the basic deposit account opening license and other supporting documents (if you need to apply for an international organization card, you must also have a foreign exchange settlement account). The qualifications of the company card holder shall be designated and revoked in writing by the legal representative of the company or his authorized person. The applicant unit 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 according to the card issuer's regulations and submit relevant supporting documents required by the card issuer, and agree to the card issuer's request to any Relevant departments, units and individuals understand and inquire about the credit status of applicants, and retain and use relevant data.

(4) Based on the applicant's credit status, the card issuer decides whether to issue a card, whether to require the applicant to provide guarantee and the method of guarantee, determines the method and type of card collection, and the credit limit to be granted to the applicant, etc. . Unsuccessful application materials will not be returned.

(5) The ways in which the applicant provides guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract should be signed separately for guarantee. The scope of guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest of overdrafts within the credit limit and overdrafts beyond the credit limit, over-limit fees, late fees and recourse fees).

(6) After receiving the credit card, the cardholder should 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 is responsible for any losses incurred. The card issuer also provides cardholders with inquiry passwords and transaction passwords (i.e. cash advance passwords and card consumption passwords) through designated channels.