1. China merchants bank credit card annual fee ordinary card 100 yuan/year, gold card 300 yuan/year. 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.
2. There will be a billing date every month to settle your previous consumption. The due repayment date of this period is 18 days after the bill date. You need to return the amount on the bill before the due date. It says that when I send you a credit card. Repay in full and on time without interest. If only the minimum repayment amount is paid, there will be cyclic interest. All consumption in the current period starts to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until you pay it off in full. ?
3. Credit cards can be swiped where UnionPay POS credit card consumption is supported.
4. Yes, please log in to the credit card website/,click "Online Banking Login" on the right, enter your ID number, inquiry password and additional code, then log in to online banking, and select the billing time (such as 20 1 1-04) in "Account Management"-"Bill Inquiry" to inquire about the bill amount and details of this month; Consumption and repayment after the bill date can be seen in "Unbilled Inquiry". ?
As long as the repayment is made on time, only credit card is used, and no other fees are charged.
6. Credit card (signature on the back). You need a signature and password to swipe your card in a physical store. Online payment also requires the validity period of credit card and CVV code. If the password is set, others can't swipe their cards at will.
7. After the overdraft is completed, the amount will be restored after repayment, and you can continue to spend by credit card. When the credit card limit is initially determined, it is comprehensively evaluated according to the information attached to your application and your specific situation. However, the credit limit is not fixed, and will increase with the accumulation of your card consumption, repayment and card holding time. You can call the service hotline 400-820-5555 to increase the credit limit after 3 months, and we will apply to the relevant audit department for you according to your consumption index, repayment record and consumption habits. Or when your financial level has improved to a certain extent, you can also provide us with relevant certificates, and the audit department will evaluate your credit limit according to the attached materials. At the same time, you can also apply for a temporary line for emergency overhead telephone.
If you have any questions, you can add QQ Customer Service 4008205555 or WeChat WeChat official account Credit Card Center for detailed consultation.