1. Now American Express Card Green Card = China Merchants Bank other credit card universal card; American Express Card Gold Card = China Merchants Bank Other Credit Card Gold Card. The annual credit card fee of China Merchants Bank is RMB 100/year for ordinary cards and 300 yuan for gold cards. The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period under the credit card number, and the previous date is the issuing date), which is not a natural year. Successful application for China Merchants Bank Credit Card (except for Unlimited Card/Platinum Card/Business Card /ANA Co-branded Card /VISA MINI Card /MSN MINI Card /VOGUE Titanium Card /HELLOKITTY Fan Gold Card Miss KITTY Perfume Credit Card), the first-year annual fee will be reduced in advance by China Merchants Bank Credit Card or partners, and you will spend six times on a single card within one year after the card is valid (from the date of issuance). And this offer is valid for a long time before the change notice of the new annual fee preferential policy.
The annual fee is calculated from the card issuing date (the date is displayed below the credit card number, the previous date is the card issuing date, and the latter date is the expiration date; If only one date is displayed, the validity period). For example, the card says 07/ 10-07/ 13, which means that the credit card was issued on July 20 10, from August 1 to July 3 1.
2. Overseas, you can choose the credit card swiping machine corresponding to the credit card swiping route according to the credit card organization logo on the credit card (such as VISA, MASTERCARD, JCB, American Express, UnionPay), and you don't need to open the credit card swiping function. UnionPay line credit card is directly settled in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the consumption outside the credit card will be settled in US dollars, if the consumption amount is not US dollars, there will be exchange fees between the two currencies. If you brush the UnionPay line or spend US dollars, there will be no settlement procedures.
1) For the consumption generated by using our credit card in non-US dollar countries through the international organization line (i.e. non-UnionPay line), the cardholder has to pay 1.5% foreign exchange fee to convert the local currency into US dollars, which is included in the subsequent US dollars (American Express Centurion Black Gold Card and American Express Centurion Platinum Card are paid at 2% of the settlement amount). 2) There is no foreign exchange handling fee for USD consumption. 3) UnionPay single currency credit card shall be handled according to the latest regulations of China UnionPay and our bank.
If you have any questions about other CMB credit cards, please search for "4008205555" among QQ corporate friends and add "CMB Credit Card Center" as your friend; Or search for "cmb4008205555" on WeChat, and pay attention to "China Merchants Bank Credit Card Center" for consultation. Thank you for your attention and support to China Merchants Bank!