What is the limit for the first application for a China Merchants Bank credit card?

The limit for a regular card is generally between 1,000 and 10,000 yuan, and the limit for a gold card is between 10,000 and 50,000 yuan. Among them, the Platinum Card limit is more than 50,000 yuan, but each bank has different regulations on the limit.

Most domestic credit cards are divided into several levels, generally including regular cards, gold cards, platinum cards, etc. The credit limit ranges of different levels are different.

Generally, friends who apply for a credit card for the first time have no credit, that is, they have no credit record, and the bank cannot judge their willingness and ability to repay. Therefore, it is more difficult to apply for a large credit card. But it's not impossible. However, it is recommended not to overly consider the limit when applying for a card for the first time. The most important thing is to choose a credit card that suits you.

Card application process

1. Choose a bank with many branches, which will make it convenient to do business. The first choices are China Merchants Bank and Bank of Communications. They have more outlets, lower thresholds for card application, and higher credit limits than other banks. Their online banking, mobile banking, WeChat and other services are also very good.

2. Choose a credit card according to your own needs. For example, if you usually spend a lot of money on supermarket shopping, you can choose a supermarket co-branded card to enjoy card discounts; if you usually travel frequently on business trips, then it is suitable to apply for an airline co-branded card or a hotel co-branded card, etc.

3. Choose the card level according to your actual situation. If your financial situation is good, you can directly apply for a platinum card. If your financial situation is average, it is best to apply for a regular card.

For credit card application tips, especially for white households, many card friends can list a lot. For white households, it is because they have never or rarely come into contact with credit cards before, let alone the skills to apply for a card and the rules for using the card. [img]

When applying for a China Merchants Bank credit card for the first time, what is the limit?

When applying for a credit card for the first time, the limit will be subject to the approval result. The limit standards are as follows:

General card: up to 10,000 yuan;

Gold card: up to 50,000 yuan;

Platinum card/high-end card: 60,000 yuan rise.

After a period of time after opening the card and maintaining a good usage record, you can apply for an increase in the limit.

(Response time: October 25, 2021. For the latest business changes, please refer to the official website of China Merchants Bank)

Warm reminder: If you have any questions in the future, please feel free to contact China Merchants Bank APP@ Your considerate customer service~

What is the limit when applying for a China Merchants Bank credit card for the first time? There are some details that need to be paid attention to

Except for redeeming points, the China Merchants Bank credit card is not worth it, but other activities are very good, so it is a good choice. So what is the credit limit for applying for a China Merchants Bank credit card for the first time? Do you know?

In fact, when you apply for a credit card for the first time, the limit is usually 5,000 to 10,000 after you apply for the card. If you then use the card to spend more and repay on time, it will be easier to increase the limit. However, in order to pass the card application and get a relatively high limit, it is still recommended to prepare your personal information as detailed as possible before applying, because this is the most important factor for the limit after applying for the card.

Others have higher quotas because they provide these information:

1. Work. It represents your cash inflow ability, consumption ability and stability.

2. Position held. It means that the higher your position, the higher your income and the stronger your ability to repay.

3. Personal credit record. Check your business status with the bank.

4. Educational level.

5. Personal assets.

But generally speaking, the credit limit for first-time card users will not be very high unless the real information provided shows that the applicant is very capable.

Attached is the credit card limit and credit card level of China Merchants Bank as follows:

1. Regular card: the limit is 1,000 yuan to 10,000 yuan. In areas where there is no gold card, the limit can be up to 50,000 yuan.

2. Gold Card: The limit is 10,000 yuan to 50,000 yuan. City Card only has gold card, and the limit is 5,000 yuan to 50,000 yuan.

3. Platinum Card: Limit of 50,000 yuan plus temporary limit.

4. Unlimited Card: Invitations are only issued to platinum card users, and the limit is also 50,000 yuan plus a temporary limit.

Generally, what is the limit for the first application for a China Merchants Bank credit card?

The limit of the ordinary China Merchants Bank credit card is 3,000 to 10,000 yuan, the limit of the gold card is 10,000 to 50,000 yuan, and the limit of the platinum card is generally more than 50,000 yuan, and the maximum can be more than 200,000 yuan. The unlimited card is only issued to platinum credit card users by invitation, and the limit is the same as the platinum card, above 50,000 yuan.

Conditions for applying for a China Merchants Bank credit card:

The most important requirements for applying for a credit card are that you are between 18 and 60 years old, have a stable job and income, and the necessary application documents are a copy of your identity certificate. and employment documentation. If you can provide other financial support documents, it will be more helpful to understand your personal situation and determine your credit limit. Detailed application materials are as follows: 1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card; 2. Proof of employment: it can be issued by the unit where you are employed. Original work certificate (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or a copy of the original work certificate/plate that has been verified by the promoter and marked; 3. Proof of financial resources : It can be salary records issued by banks, or income tax withholding vouchers, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other information that can prove your financial level. . Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

The fixed limit of a customer's credit card application is comprehensively assessed based on the information submitted, and the final review result shall prevail. (Multiple credit cards under the same account have the same credit limit.) The applicant's financial conditions are the main factor in determining the credit card limit. Applicants who have a house, a car and savings under their name will definitely receive a higher credit limit than those who only meet the requirements. Applicants with basic requirements will receive higher credit limits.

It is recommended that you use credit cards for daily consumption. For example, you can pay with credit cards for supermarket shopping, dining, entertainment, gas, etc. It can also increase the success rate of credit card limit increases.

What is the limit for the first China Merchants Bank credit card?

If it refers to the China Merchants Bank credit card, the limit will be determined based on the information attached when you applied and your specific situation during the initial review. For comprehensive assessment, please refer to the review results for the specific amount. The credit limit (fixed limit) of our bank's credit card starts from ￥1,000 yuan or the equivalent in US dollars, and the upper limit is ￥50,000 yuan or the equivalent in US dollars. Under normal circumstances, the fixed limit range for regular cards is ￥1,000-￥10,000 yuan, and the fixed limit range for gold cards is ￥10,000-￥50,000 yuan. The limit of a platinum card is generally a fixed limit of RMB 50,000 plus a temporary limit that is automatically adjusted for you every month. At that time, you can use the combined limit of the two parts for swiping the card for consumption.

What is the limit of the China Merchants Bank credit card that has just been issued? What are the requirements?

The limit of the new credit card issued by China Merchants Bank is between 3,000 and 10,000 yuan; the limit of the gold card is 10,000 to 50,000 yuan; and the limit of the platinum card is generally more than 50,000 yuan.

When applying for a credit card, the applicant should provide as much qualification certification information as possible, such as personal work status certificate, income status, bank deposit certificate, personal real estate certificate, vehicle certificate, credit status certificate, etc. Submitting information will help you get approved for a higher credit card limit.

Credit card credit is also called credit card pending credit. After you make a credit card purchase, the merchant has also initiated bank collection business from you, but the credit card amount needs to be approved by the bank system. It is a process of entering a merchant's account, so this process of approval is called credit card credit. The approval time is different for each bank, so the waiting time for each bank is different, and the waiting time is different. The amount entered into the account will not appear in the transaction details of the day. Only after the consumption amount is accurately entered into the account, the transaction details will be specifically reflected. Therefore, if there is an account that needs to be accounted for, be sure to pay attention to the time of querying the transaction details. Effective Control your own billing accuracy.

There are two situations when the credit card shows "Depositing": Consumption is in the status of "Depositing": Domestic consumption generally has 2 days to be credited, and overseas consumption is based on the merchant's request time, specifically based on the bill. Accurate; the repayment is in the status of "Accounting": It means that China Merchants Bank has received the repayment, but it will take 2 days to be credited.

Repayment methods

In-bank repayment: This repayment method mainly includes: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

Operating environment: Online banking APP, version model: 10.9.7

Mobile repayment: The mobile phone is a mobile financial system personal payment terminal, which can be used to directly swipe credit cards for repayment , you can also perform transfers and other services. Instant payment!

Convenience store repayment: Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment: The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Inter-bank transfer: Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Counter connection: Counter connection refers to the bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

This ends the introduction about the first limit of China Merchants Credit Card and how long it takes to restore the first limit of China Merchants Credit Card. I wonder if you found the information you need?