how to apply for China merchants bank card?

1. China is under the age of 16:

(1) The guardian shall issue the valid identity documents of the agent and the principal, as well as the guardian relationship certificate or the official documents issued by the people and relevant departments to designate a special person to open an account.

(2) The bank account opened by the guardian's agent can keep the real-name authentication mobile phone number of the guardian or depositor.

2. Domestic 16-18 years old:

I can handle it with a valid ID card or by my guardian. If it is handled by my guardian, I need to show two valid ID cards and valid guardianship certificate. You need to reserve your guardian's or save my real-name authentication mobile phone number.

3. Over 18 years old in China: I need to hold a valid resident ID card or a temporary resident ID card to open an account at any branch of China Merchants Bank (Changsha Branch does not support temporary id card for the time being). To apply for a CMB credit card, the most important condition is that you are at least 18-6 years old (foreigners are 25-6 years old) and have a stable job and income. The necessary application documents are "copy of identity certificate" and "work certificate". Copies of other financial documents (such as real estate license, my car driving license, bank time deposit certificate, etc.). ) will be more conducive to successful card issuance.

There are generally three channels for credit card processing in China Merchants Bank:

The first one is to go to the bank, explain to the bank and the business personnel that they want to apply for a credit card, and fill out the form under the guidance of the staff. Then under the guidance of the staff, all kinds of certificates can be copied to the staff.

the second type: de-agent. Generally, you will meet some credit card agencies in some large supermarkets or some large stores. The method is the same as the first one. Generally, they will use a digital camera to shoot proof materials, so they don't need a copy.

Both of the above should be prepared:

1. Original ID card

2. Copy of the front and back of the ID card

3. Income certificate (payroll or certificate issued by the company)

4. Work certificate (work permit, badge, company pass, etc.). ).

5. Proof of financial resources (proof of financial resources such as houses and cars)

The third type: online booking. Visit China Merchants Bank Credit Card official website. Process (Take ThinkPadX13 Ruilong laptop, Windows S1 as an example):

1. Log in to China Merchants Bank's credit card online banking and select your favorite card;

2. Click "Credit Card Application";

3. Select the appropriate application process. At present, China Merchants Bank has set up two application processes for new customers and existing customers;

4. Fill in personal information so that the application can be approved;

5. When submitting a credit card application of China Merchants Bank, China Merchants Bank will review the reservation information and generally inform the processing result within 7 working days.

How to handle the credit card of China Merchants Bank

All China residents, foreigners with permanent residence in China and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18 and have full capacity for civil conduct and good credit standing can apply to the card issuer for a personal credit card master card with their valid identity documents.

General users can apply for China Merchants Bank Credit Card in the following three ways:

1. Apply for credit card online:

For customers without credit card, select "Apply for China Merchants Bank Credit Card for the first time (new customer)" to enter "Easy Application, Home Service"!

Cardholder: If you choose "I have a credit card of China Merchants Bank (old customer)", you only need to fill in your personal information online, print your signature and mail it to China Merchants Bank (mailing address: the receiving room on 13th floor, Jiangong Building, No.33 Fushan Road, Pudong New Area, Shanghai 212).

2. Bring your own ID card, work certificate and financial information to fill in the application form at the business outlets of China Merchants Bank in person;

3. Cardholders of China Merchants Bank can also call 4-82-5555 customer service phone to obtain an application form.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the 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 special 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 limit.

main features

① Credit card is one of the fastest-growing financial services, which can replace 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 obtain certain loans from card issuers by using credit cards;

③ Credit card is a high-tech product integrating financial business and computer technology.

④ 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 card can promote commodity sales and social demand.

financial management strategy

1. Control the number of credit cards, and enough is enough

Once the number of credit cards is too large, it is easy to get the wrong repayment date of this card 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 one or two credit cards are enough.

2. Keep the credit card voucher

Most credit card holders don't care about the voucher, and they don't keep it. Most of them just throw it away, which is a very bad habit. In fact, keeping the credit card voucher is not only convenient for summarizing the consumption records every month and then analyzing and optimizing the consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand the credit card. And many people's credit cards don't have passwords, so discarding credit card vouchers at will may lead to credit card theft.

For safety reasons, it is best to keep the credit card voucher after spending, so that you can know well and develop good credit card financial habits.

3. Reduce withdrawal

Credit cards have two functions: overdraft and withdrawal, but withdrawal requires a certain percentage of handling fees, and even if you deposit your own money in them, you will be charged. Therefore, it is not cost-effective to use it or use it as a passbook.

4. Choosing the right credit card

The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperation with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, so they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including meals, movies, trailer services, etc., with a variety of names, and you can choose freely according to your own needs. Credit cards should be used well and selected well.

5. swipe your card as much as possible within the maximum spending limit

every credit card has a limit, and you are safe to swipe your card within this maximum limit. Then, within this controllable range, please swipe your card as much as possible. Because a credit card is equivalent to having a bank pay you in advance when you buy something, so why not return it to the bank on time on the repayment date? On the one hand, it is more convenient to consume, on the other hand, it can accumulate credit, and the bank can also charge the merchant a handling fee from your credit card amount, which can be described as a win-win situation.

6. Don't repay until the repayment date

Make use of the last repayment date to earn more interest. After all, money is put in your account, and the interest generated is your own, so you should make full use of the opportunity of money in your own hands to make 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 a delay of repayment for one to two days. Generally, this situation will be allowed.

How to apply for China Merchants Bank credit card

If you want to apply for China Merchants Bank credit card, you can apply directly in the business hall, or you can apply in the official website dedicated to China Merchants Bank, and fill in your personal information before applying.

how to handle the credit card of China merchants bank?

1. Handling in the business hall

We can apply for China Merchants Credit Card directly in the business hall, but generally credit cards require us to find a dedicated account manager first. I suggest you find a familiar account manager first or contact in advance. It may be slower to go directly to the online store.

2. Apply for official website

China Merchants Bank has a special official website application for credit card application, which displays a lot of card information, which is also a good choice for customers who don't know the details. You can check which credit cards are more suitable for you before applying.

What materials are needed for China Merchants Credit Card?

Credit card application information form, stamped income certificate, personal business license or three-month tax bill, income tax withholding certificate, photocopy of real estate certificate, copy of self-owned car driving license, etc.

how to handle the credit card of China merchants bank and what conditions are needed?

To apply for a credit card of China Merchants Bank, you need to meet the following conditions:

1. Be 18-6 years old and have full capacity for civil conduct;

2. foreigners living in China, Hong Kong, Macao and Taiwan can provide their valid identity documents, such as passports, residence permits or employment certificates;

3. Have a stable and legal income source;

4. Personal credit status is good and there is no bad credit record;

5. Other conditions or regulations required by China Merchants Bank.

China Merchants Bank has created more than 1 new products and services with its credit cards, adhered to the mode of cross-industry cooperation, and successively cooperated with leading enterprises in different life fields, such as department stores, tourism and sports consumption, to provide cardholders with products and functional services in a dual sense. In September 27, China Merchants Bank took the lead in putting forward the concept of "five-fold security" credit card service, which consolidated its leading brand position in the industry.

how to apply for China merchants bank credit card?

Bring your ID card and relevant documents to the counter of China Merchants Bank and fill out the application for credit card. Wait 15 working days. If the bank approves it, it will make a card for you and mail it to you. After receiving the credit card, you need to activate it before you can use it. The above is the general process.

note as follows:

1. In addition to proving your identity (ID card), the documents for applying for a credit card also need to prove that you have both the ability and the willingness to repay, so you often need proof of your income, such as salary, real estate license, or business license.

2. It may be possible to apply for a credit card in many places, but it is recommended to apply at the bank counter! Because you need to fill in a lot of personal information when applying, it is sometimes dangerous to disclose it to strangers casually!

3. going to the bank counter is inevitable! Don't believe what some people say, you can apply at will and send your card home, thinking that you can save it at the bank counter! Because, if you don't go to the bank counter when you apply, you must go when you activate! (Some banks are called "face-to-face signing" or "opening"); Because when issuing a credit card, the bank must confirm the authenticity of the ID card and whether the holder is himself, so he must bring his ID card to the bank to activate it. The credit card applied in the bank can be activated by phone;

4. The essence of "activating" or "face-to-face signing" and "opening" the credit card is to inform the bank that you have received the credit card yourself. From now on, banks can provide services to this credit card.

how to handle the credit card of China Merchants Bank

A credit card is a bank card that can be used for consumption in advance with credit. Then, how to handle the credit card of China Merchants Bank? Next, let's take a look with me.

1

Prepare the original ID card, work permit, driver's license, etc. If you have real estate, you can bring the real estate license;

2

Fill in the credit card information form at the outlet of China Merchants Bank, and submit the corresponding documents at the window to apply for the credit card of China Merchants Bank;

3

If you don't want to handle it at the outlet, you can open the online official website of China Merchants Bank and fill in the corresponding application materials;

4

After receiving the credit card, just bring the corresponding information to the bank counter to activate the credit card.

Special note

The above pictures are from the Internet.

Let's stop here for the introduction of how to handle China Merchants Bank's credit card.