China Merchants Bank YOUNG Card Limit

The China Merchants Bank YOUNG Card limit is generally divided into three levels, regular card 3,000-10,000 yuan, gold card 10,000-50,000 yuan, and platinum card 50,000 yuan or more. CMB YOUNG Card is a RMB credit card launched by China Merchants Bank that can only be applied for by non-student customers under the age of 30. The main features are that the cash advance limit is 100 of the credit card limit; points are doubled in the birthday month.

Chinese citizens who are between 18 and 30 years old, have full capacity for civil conduct, have legal and stable income, and foreigners and compatriots from Hong Kong, Macao and Taiwan who have the right of residence in China can apply locally. China Merchants Bank YOUNG card. You can also apply for supplementary cards for your immediate family members who are over 16 years old. There can be no more than 4 supplementary cards in one household.

The annual fee for China Merchants Bank YOUNG Card White Youth Edition (UnionPay): 300 yuan (waived for the first year, and swiped the card 6 times for the next year), and the annual fee for the supplementary card is 150 yuan. China Merchants Bank YOUNG Card MasterCard Credit Card Annual Fee: 100 yuan (waived for the first year, and swiped the card 6 times for the next year). China Merchants Bank YOUNG Card VISA credit card annual fee: 100 yuan (waived for the first year, swiped the card 6 times for the next year).

Minimum repayment for China Merchants Bank YOUNG Card: the minimum repayment amount is 10% of the amount owed.

The billing dates of China Merchants Bank YOUNG Card: 5th, 7th, 10th, 12th, 15th, 17th, 20th, 22nd and 25th of each month are the billing dates. You can adjust the billing date after opening the card, and you can adjust the billing date after half a year. Change it once.

What is the limit of China Merchants Bank Credit Card YOUNG Card?

The limit of China Merchants Bank Young Card is between 10,000 and 50,000 yuan, and it is positioned as a gold card level among China Merchants Bank credit cards. Hope this helps, thank you!

Features of China Merchants Bank Young Card:

1. The cash withdrawal limit can reach 100 of the credit limit, and the first cash withdrawal per month is free, and the second cash withdrawal is charged 1 of the transaction amount. The handling fee is a minimum of 10 yuan each time.

2. Bill installment is not restricted by specific products or merchants. You can apply for installment after the bill is issued.

3. Cardholders can enjoy double points when using the YOUNG card for consumption in the month of their birthday.

Extended information:

According to feedback from netizens, the following 5 credit cards are worth keeping:

1. China Merchants Bank Young Card: Young Card is a card specially issued by China Merchants Bank for young people. A credit card created by a person, the application threshold is relatively low, and it is more suitable for young people who have just entered society. Generally, the initial limit is more than 5,000 yuan. The biggest advantage of this card is that the limit can be increased very quickly.

2. Ping An Bank Car Owner Card: Ping An Bank’s Car Owner Card is a credit card specially designed for car owners. Its main feature is that you can enjoy gas discounts and free roadside assistance. This credit card is more suitable for those who own cars. Car owners keep cards.

3. Pufa AE Bai: Pufa AE Bai is a platinum-level credit card with a high credit limit, and you can enjoy hotel discounts, airport pick-up service rights, etc., which is more suitable for users with better financial conditions. Keep the card.

4. GF Zhenshang Platinum Card: This credit card is also a platinum credit card, but its application threshold is slightly lower than other platinum cards. This card has more transportation benefits. The preferential benefits are more suitable for people who frequently travel for business or tourism to maintain a card.

5. Bank of Communications Wal-Mart Credit Card. The Bank of Communications Walmart Credit Card is a co-branded card issued by Bank of Communications and Walmart. The biggest feature of this card is that you can enjoy many discounts when spending at Walmart, making it more suitable for family users.

China Merchants Bank Young Credit Card Limit

China Merchants Bank Young Credit Card Limit is determined based on personal qualifications. It is determined based on the loan applicant’s comprehensive qualifications and credit situation. Generally, the higher the personal qualifications, the higher the credit limit. The application amount will be higher. China Merchants Bank Young Credit Card is a gold card with a limit between RMB 10,000 and RMB 50,000.

What is the credit card limit:

The credit card limit, also commonly referred to as the available limit of a credit card, refers to the maximum amount that can be used by your credit card, which includes the credit limit (i.e. the maximum credit limit of the credit card) The limit that can be used for overdraft) and the amount deposited on the credit card.

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

How to increase credit card limit:

1. Increase the number of credit card swipes: As we all know, the frequency of credit card swipes is indeed a criterion for banks to increase credit card limit. The more times you use a credit card, the easier it is to increase the limit. .

2. Increase the amount of consumption: In order to increase the number of credit card swipes, many people will make some small purchases, but the effect is minimal. Although it is easier to increase the limit for large-amount purchases, you should try to control it within a reasonable range. If you make several large-amount purchases at the same merchant regularly, the bank will mistakenly think that it is a malicious cash-out.

3. Increase consumption merchants: Try to swipe credit cards at different merchants as much as possible. If it is too single, the bank will mistakenly think it is a malicious cash out. And try to use the card at the cooperative merchants of the card issuing bank to make purchases, which is more conducive to improving the overall score.

4. Maintain good credit: If you want to successfully raise your credit limit, you must not engage in bad behavior such as overdue payments during the use of the card, and you must complete the repayment within the repayment period. Maintaining a good credit record is a key point to increase the success rate of loan increase.

5. Independently apply for a limit increase: You can submit asset certification materials such as real estate certificates to the card issuing bank, take the initiative to apply for an increase in the limit with the customer service staff, or directly apply for a card with a higher limit.

6. Choose installment consumption: You can pay the bill in installments every six months, choose the minimum repayment amount, and pay a certain amount of interest, then the bank will be more willing to increase the amount, and this also examines our repayment Ability and credibility.

What is the limit of the youth version (gold card) of China Merchants Bank’s standard YOUNG card?

1. China Merchants Bank Young Card is a gold card with a maximum limit of RMB 50,000. For general applications, since it is for undergraduates who have just graduated or have no job, the general quota is around 5,000 to 10,000.

2. However, during the initial review, the credit card limit is comprehensively assessed based on the information attached when you applied and the specific circumstances. Please refer to the review results for the specific limit.

3. After the credit card approval is completed, the customer will be notified of the limit, so there is no need to inquire.

Extended information:

Consumption details of CMB’s standard YOUNG card youth version (gold card)

1. Annual fee for supplementary card: annual fee for regular card is 50 yuan .

2. Late payment fee: The minimum charge is 5% of the unpaid portion of the minimum repayment amount of 10 yuan.

Over-limit fee:

1. Cash withdrawal from local peers: the minimum fee is 10 yuan per transaction amount, and the maximum fee is 20 yuan.

2. Local inter-bank cash withdrawal: The minimum fee is 10 yuan per transaction amount, and the maximum fee is 20 yuan.

3. Cash withdrawal from other places: The minimum fee is 8 yuan per transaction amount, and the maximum fee is 100 yuan.

4. Cash withdrawal from different places and across banks: The minimum fee for the transaction amount is 10 yuan, and the maximum fee is 20 yuan.

5. Overseas UnionPay cash withdrawal: The minimum fee is USD 3 per transaction amount.

6. Overseas non-UnionPay cash withdrawal: 3% of the transaction amount.

7. Overseas emergency cash withdrawal: The minimum fee is USD 3 per transaction amount.

8. Recovering excess payment from local peers: The minimum fee is 0.5 of the transaction amount and is 5 yuan.

9. Local inter-bank overpayment recovery: the minimum fee is 5 yuan and the maximum fee is 50 yuan.

10. Recovering overpayments from overseas counterparts: the minimum fee is 5 yuan and the maximum fee is 0.5 of the transaction amount of 50 yuan.

11. Recovering overpayments from across banks in different places: The minimum fee is 0.5 yuan of the transaction amount, and the maximum fee is 50 yuan.

12. Overseas UnionPay overpayment recovery: The minimum fee is 0.5 yuan of the transaction amount and the maximum fee is 50 yuan3.

13. Overseas non-UnionPay overpayment collection: the minimum fee is 0.5 yuan of the transaction amount and the maximum fee is 50 yuan3.

14. Overseas emergency card replacement handling fee: VISA card handling fee is 175 US dollars; MasterCard card handling fee is 156 US dollars.

15. Card replacement cost: The card replacement cost is 15 yuan per card or set.

Express fee: 20 yuan.