China Merchants Bank credit card (debit card) has the following types:
Taste business travel: Visa full currency credit card (debit card), MasterCard full currency card, Booking.com full currency co-branded card and Didi Chuxing co-branded credit card (credit card).
NBA/ Games: League of Legends credit card (debit card), the glory of the king co-branded card, NBA co-branded Warriors card and NBA co-branded Cavaliers card.
Featured cartoons: HelloKitty fan credit card (credit card), Naruto credit card (credit card), Qin Shimingyue credit card (credit card), Voyager credit card (credit card).
Lifestyle: YOUNG Card (Youth Edition), GQ Co-branded Credit Card (Debit Card), Wanda Cinema Co-branded Card and Vipshop Co-branded Card.
Types and functions of credit cards of China Merchants Bank
China Merchants Bank currently has six types of credit cards:
1. standard credit cards: mainly including China merchants bank standard VISA card, standard MasterCard card and other standard credit cards.
Second, the theme series of credit cards: mainly the joint credit cards of China Merchants Bank and other institutions, such as NBA cards and World of Warcraft credit cards.
3. Regional credit cards: mainly local credit cards issued by China Merchants Bank, such as Dalian New Mart co-branded credit card.
4. Travel series credit cards: travel series credit cards issued by China Merchants Bank, such as Air China bosom friend credit card and Ctrip card.
Verb (abbreviation of verb) automobile card series: automobile theme credit card, such as Shenye automobile co-branded credit card.
6. Shopping credit cards: shopping theme credit cards issued by China Merchants Bank, such as Parkson Shopping Credit Card and Ruili Women Shopping Card.
Application conditions:
1, 18 years of age or older, China residents with full capacity for civil conduct and good credit standing, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan can apply for personal credit card master cards with their valid identity documents.
Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.
2. Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic deposit account in financial institutions in China can apply for a business card to the card issuer with supporting documents such as the basic deposit account account opening permit issued by the People's Bank of China (if applying for an international business card, they must also have a foreign exchange settlement account).
The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. The applicant shall bear all debts arising from 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, and submit the relevant supporting documents required by the card issuer, and agree that the card issuer may inquire about the credit status of the applicant from any relevant department, unit or individual, and keep and use relevant materials.
4. According to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the way of guarantee, and determines the way and type of obtaining the card, the credit line approved to the applicant, etc. Failed application materials will not be returned.
5. The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and outside the credit line).
6. After receiving the credit card, the cardholder shall 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, otherwise the cardholder shall be responsible for the losses arising therefrom. Card issuers also provide cardholders with inquiry passwords and transaction passwords (that is, cash advance passwords and credit card consumption passwords) through designated channels.
Extended data:
China Merchants Bank credit card withdrawal fee collection standard:
1. The domestic RMB cash withdrawal fee is 1% of each cash withdrawal amount, and the minimum fee is 10 RMB;
2. The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, with a minimum charge of USD 3 or 30 yuan RMB, of which USD 5 or 30 yuan RMB is charged for American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card.
Precautions for credit card withdrawal of China Merchants Bank;
Credit cards of China Merchants Bank can be divided into RMB single currency credit cards,++dual currency credit cards and multi-currency credit cards.
1. RMB single-currency credit cards can only be withdrawn from ATMs with UnionPay logo, and China Merchants Bank will deduct the money after conversion according to the exchange rate of the day;
2. Dual-currency or multi-currency credit cards can be cashed at UnionPay ATMs, or at corresponding ATMs such as Visa and MasterCard. Banks may deduct money from the++account first, and only when the++account is insufficient will they deduct money from the RMB account at the exchange rate.
In addition, there is a certain limit for taking credit cards abroad: UnionPay channel, the daily withdrawal limit is equivalent to RMB 1 0,000, and the equivalent of USD 1 0,000 cannot be exceeded in the same account of dual-currency cards or multi-currency cards the next day.
China Merchants Bank credit card not only charges more than debit card, but also has interest on cash withdrawal. If the cardholder needs cash, it is best to use a debit card to withdraw money through an ATM marked with UnionPay. If you have a cash expenditure budget before leaving the country, it is better to go to the bank to exchange it in advance.
References:
Baidu encyclopedia-China merchants bank
What kinds of credit cards does China Merchants Bank have?
By brand: UnionPay, VISA, American Express, MasterCard, JCB；; By type: featured theme, business trip, network/game, comic book fan, fashion group, standard credit card, regional featured card, etc.
The basic functions of China Merchants Bank's credit card are the same, such as credit card consumption, online payment at home and abroad, cash advance, installment payment, credit card points, accumulated credit, and interest-free period of up to 50 days. For different credit cards, different offers and promotions will be launched from time to time.
Extended data:
China Merchants Bank Credit Card Center is the first credit card center operating independently in accordance with international standards in China, which has truly realized the integration and professional service of credit cards.
While refreshing the credit card records, China Merchants Bank's credit card adheres to the service concept and innovative spirit of "changing with you", actively explores the market, expands market alliances, deepens market segmentation, and its functions and services are increasingly enriched and improved. It is one of the most innovative joint-stock commercial banks in China.
Since the credit card business was launched at the end of 2002, it has taken the lead in introducing "swipe your card to buy a plane ticket and get a million airline insurance", "consumption abroad, RMB repayment", interest-free installment payment of credit cards, and functional innovations such as "SMS transaction reminder" and "full guarantee for lost cards".
What are the credit cards of China Merchants Bank?
The credit cards of China Merchants Bank are generally divided into Puka Gold Card, Platinum Card and Gold Card, and the annual fee can be waived by swiping the card. The annual fee of platinum card is rigid and the standard is higher, but it also enjoys more rights and interests.
Credit card types of China Merchants Bank
Credit cards of China Merchants Bank are generally divided into ordinary cards, gold cards and platinum cards. Generally, the credit card amount is below 6,543,800 yuan, the gold card amount is between 6,543,800 yuan and 50,000 yuan, and the platinum card amount is above 50,000 yuan.
In order to get a better quota, users need to submit better financial proof.
To apply for China Merchants Bank credit card, you need to be 18 years old or above, have full capacity for civil conduct and have legal and valid identification. The applicant has legal income and can repay the arrears on time every month.
The most important thing is that the credit information of the applicant must be good. There are different ways to apply for a credit card, among which official websites and bank counters are the most commonly used.
You can learn more about the rights and interests contained in a credit card when you apply at a bank in official website. Know under what circumstances consumption will save money after you apply. The newly applied credit card needs to be activated, and the activation method is indicated on the mailed envelope.
Applicants can choose one that suits them. When activating, you need to set the transaction password and inquiry password, which can be the same.
After activation, you can use your credit card to spend money. It is better to consume new cards step by step, so it will be easier to increase the card quota later.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
main feature
① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;
② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
Credit card can reduce the use of cash and currency;
⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
⑥ Credit card can simplify the collection procedures and save social labor;
⑦ Credit cards can promote commodity sales and++social demand.
Financial management strategy
1, control the number of credit cards, enough is enough.
Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.
2. Keep credit card vouchers
Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.
For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. So it's not cost-effective to use+++and use it as a passbook.
Step 4 choose the right credit card
The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperative business with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, and they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including eating, watching movies, towing services, etc. , there are many names, and you can choose freely according to your own needs. Use your credit card well and choose it well.
5. within the maximum consumption limit of credit card, swipe your card as much as possible.
Every credit card has a limit. If you swipe your card within this maximum, you are safe. Then, within this controllable range, please swipe your card as much as possible. Because a credit card is equivalent to asking the bank to repay you in advance when you buy something, why not return it to the bank on time on the repayment date? On the one hand, it is more convenient for consumption, on the other hand, it can accumulate credit, and the bank can also charge the merchants a handling fee from the amount of your credit card, which can be described as a win-win situation.
6. Repayment will not be made until the repayment date.
Use the last repayment date to earn more interest. After all, the money is in your account, and the interest generated is also your own, so you should make full use of the opportunity of the money in your own hands and let it generate more money. In addition, if you can't repay on the repayment date for some special reasons, please call the bank's credit card customer service hotline to explain the situation and ask for an extension of repayment 1 to 2 days. Generally, this situation will be allowed.
How many credit cards does China Merchants Bank have?
China Merchants Bank has a wide range of credit cards to meet the needs of different customers:
According to the settlement currency, it is divided into: UnionPay card, dual-currency card and full-currency card;
According to the cooperative institutions, it is divided into: UnionPay, VISA, MasterCard, JCB and American Express;
According to the credit situation, it is divided into: Puka, Gold Card, Platinum Card, Diamond Card and Unlimited Card;
Co-branded cards of cooperative institutions include: QQ card, the glory of the king card, JD.COM white card, iQiyi card, car card, etc.
Tips: DIY card samples are not supported for the time being.
You can go to the credit card homepage of China Merchants Bank and click on "Card Handling"-"Credit Card Family Photo" for details.
(Reply time: 2065438+3 May 20091. Please refer to China Merchants Bank (official website) for the latest business changes.
The introduction of credit card types of China Merchants Bank ends here.