Advantages of China Merchants Bank Credit Card:

1. The application threshold is extremely low, and the points are permanently valid; there are many special merchants; there are many co-branded cards;

2. The online banking function is strong, Easy to operate and supports Alipay;

3. There are often value-for-money group buying products, and there are many activities and tricks;

4. The all-in-one card has good functions and is good in all aspects of financial management;

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5. All cards are combined into one bill (convenient for repayment);

6. There are many types of cards with beautiful designs;

7. There is a 48-hour "lost card" function "Full guarantee"; 800 is easy to connect and the service is good;

8. Installment shopping is convenient, and the installment does not account for the quota;

9. There are bill installments;

Disadvantages of China Merchants Bank’s credit card:

1. The interest-free period is the shortest among all card issuers, with the shortest being 18 days;

2. The points policy is very inhumane (20 One point per dollar, excluding zero);

3. No SMS reminder for small-amount consumption;

4. All cards combined into one bill (not flexible);

5. The online payment limit is too low and points are not calculated.

Summary: China Merchants Bank’s credit card combines the security of a large bank with the services of a small bank. It is a must-have choice for card users. The premise is that you don't value points. We hope that China Merchants Bank credit card holders can refer to the above knowledge and use China Merchants Bank’s credit cards to their full potential!

Extended information:

Tips for maintaining credit cards:

1 . The number of card swipes for a single card is more than 5 times per week and more than 20 times per month. Reasonable increments every month, 25-30 transactions per month is optimal.

2. The amount of card swiping should be small combined with large purchases. If it is all trivial and small purchases, the bank will not treat you as a high-quality customer. Only frequent large purchases can prove your consumption level.

3. Be careful not to empty out the credit limit in large amounts as soon as the bill comes out. Basically, this is the only time you empty out, and you will be risk controlled by the bank immediately. And after March, risk control has become more and more strict, so don’t seek death.

4. It is best not to spend more than 50% of the total amount of the card in a single transaction. Of course, even if the limit is low, even if it is all real consumption, it is best not to use up the limit all at once.

5. 1-2 transactions per day for a single card is best. The interval between swiping the same card must be at least 3 hours. The interval between swiping different cards should be more than 5 minutes.

6. It is strictly forbidden for anyone to check the balance on the POS machine before swiping the card. This is a gift.

7. Don’t always use the last digit of 0, 6, 8, or 9 when swiping your card. Do not swipe the card with the same last three digits, such as 5222 or 8000.

8. Occasional installments, especially when banks take the initiative to call and request installments, basically involve spending money to increase the amount. If you want a limit, you must agree to the installment plan. You can try a small amount for a short period of time.

9. Try not to empty the card, leaving about 10%-20%. Some commercial banks have low credit limits and can be increased by maxing out, but it is best to use real and high-quality consumption.

10. Try to swipe your card between 9 a.m. and 10 p.m., and try not to swipe your card at other times.

11. If a card swipe fails once, do not try to swipe a low-amount card again. Even if it succeeds, the risk is too high, so you must know the remaining balance of the card in real time.

12. If the card is used for more than half a year, there are transactions every month, and repayments are made on time, the success rate of basic limit increase is higher. Generally, you can apply for the first withdrawal after half a year, and then once every three months. You must take the initiative to apply.

13. Overseas consumption is very helpful in increasing your credit limit. If you can go abroad or go shopping with friends, classmates, colleagues, etc., be sure to bring your credit card and use it vigorously. Moreover, there are too many overseas activities, various cashbacks, and points doubled, so it is easy to get more when you swipe your card.

14. If you are eligible for a temporary quota, use the temporary quota. Except for the four major banks, it is generally easier to convert the temporary quota to a fixed quota. Of course, remember the temporary quota rules and don’t get stuck.

15. If you have spare money, make a fixed deposit or something in the bank, commonly known as moving bricks. This is the best way to increase your balance.

16. If you have done a lot but can’t get enough credit, it’s time to try the freezing method. Stop using it completely, or pretend to cancel the card.