Although many friends have credit cards, they still know little about credit cards. Everyone ignores the common sense related to our use of credit cards. For example, if there is a bad record on your personal credit report, it will be troublesome to apply for a loan to buy a car or a house. Now I will take China Merchants Bank Credit Card as an example to give you a comprehensive understanding of credit cards!

1. What is the difference between credit report, personal credit report and credit report?

In fact, credit report, personal credit report and credit report are actually the same thing, but everyone The names are different. Credit reports permeate many aspects of people's lives. Paying off your debt on time and maintaining your personal credit record are compulsory courses for everyone!

2. Interview for China Merchants Bank Credit Card

When applying for China Merchants Bank Credit Card, please fill in the application form truthfully and submit your identity documents and necessary supporting materials. The on-site bank staff will confirm your application intention, guide you to completely and accurately copy the applicant's confirmation column and signature, review your original ID and other supporting materials, and take photos for retention. This is the interview!

There are currently two ways of interviewing: going to the branch or directly visiting the business representative, depending on the actual situation.

3. Credit limit

The credit limit is approved by the card issuer for an account in the name of the main card applicant within a certain period of time based on the credit status of the main card applicant. The credit limit used within the period. A stable source of income, moderate consumption, and on-time repayment all contribute to the increase in credit limit.

As above, everyone should know some common sense about using China Merchants Bank credit cards.