Advantages of China Merchants Bank Credit Card:
The bid threshold is extremely low, and the points are permanently valid. ※:
There are many special businesses. ※:
※ Joint cardo※:
※ Online banking is powerful, easy to operate and supports Alipay;
There are often value-added group purchases, with many activities and many tricks. ※:
※ The one-card function is easy to use;
All cards are combined into one bill (convenient for repayment). ※:
There are many kinds of cards with exquisite design. ※:
There is a 48-hour "lost card guarantee". ※:
800 is easy to connect and the service is good. ※:
Shopping by stages is convenient, and there is no quota by stages. ※:
There are bills in installments. ※:
The success rate of swiping cards is high. ※.
Disadvantages of China Merchants Bank Credit Card:
The integral policy is not ideal (20 yuan gets one point, which is not zero). ※:
There is no SMS prompt for small consumption. ※:
※ All cards are combined into one bill (inflexible);
Online payment limit is too low to calculate points. ※.
China Merchants Bank Credit Card is suitable for friends who pay more attention to service than points. Every time the quota is raised, it is active. China Merchants Bank's credit card has no password. Although the quota is high, it also has risks.
How about China Merchants Bank credit card?
China Merchants Bank's credit card is better. Compared with credit cards of other banks, it has some advantages. The credit card service center of this bank has excellent service, fast withdrawal speed and low application threshold. Moreover, the billing date can be adjusted according to the customer's needs, and it can be restored after the card is returned, and the amount can be freely controlled. At the same time, it also provides large installment payment service.
Good service and low threshold.
China Merchants Bank's credit card is better, because the credit card service center of this bank has a particularly good service attitude. It will provide customers with 24-hour uninterrupted manual service, solve any problems in the process of using China Merchants Bank credit card, and prompt customers in time when risks appear in the card. The application threshold of China Merchants Bank credit card is relatively low. As long as you have a regular job with a stable income or have successfully applied for a loan, you can apply for a credit card of China Merchants Bank.
No annual fee, quick cash withdrawal.
Fast cash withdrawal without annual fee is also an important advantage of China Merchants Bank's credit card. After customers successfully apply for CMB credit card, they don't have to pay any fees as long as they spend it three times a year, and they insist on using CMB credit card in their daily life. When the transaction amount reaches a certain amount, China Merchants Bank will increase the credit card quota for customers free of charge, so that customers have more consumption space.
The customer can adjust the bill.
Each bank's credit card has a fixed billing date, and only timely repayment after billing can guarantee the normal use of credit cards. The service of China Merchants Bank Credit Card is more humanized, and the bill date can be adjusted according to the needs of customers, which is an advantage that other bank credit cards do not have. In addition, in the process of using China Merchants Bank credit card, if there is a large amount of consumption, customers can choose installment repayment service when they encounter difficulties, which effectively reduces the repayment pressure of customers.
You can also apply for recovery after the card is cancelled.
Many people feel useless after applying for a credit card, so they want to get it, but it is inconvenient to get it. They want to apply again. In many banks, they have to apply for a new credit card in the future, but China Merchants Bank doesn't have to bother, because if China Merchants Bank wants to use the credit card again after cancellation, just call the customer service center to explain the situation, and the credit card they applied for cancellation will be reactivated within three working days, and it can be used normally after reactivation.
How about China Merchants Bank credit card?
China Merchants Credit Card has the highest popularity, and it is also the campus card of League of Legends, vowing to attract young users. China Merchants Bank card offers many preferential activities, and the handheld life is powerful, so many users will handle a China Merchants Bank card more or less.
Advantages: the bid threshold is extremely low, the points are permanently valid, the online banking is powerful, the operation is convenient, and Alipay is supported; Group buying goods, many activities. Wide payment range, supported by many shopping websites; The business is very mature, the repayment is convenient, and the mobile APP experience is very good.
Disadvantages: the integral policy is inhuman; The interest-free period is the shortest and inflexible; The online payment limit is too low.
Summary: suitable for friends who value service but ignore points.
Advantages and disadvantages of China Merchants Bank's credit card
Advantages of China Merchants Bank Credit Card:
1, the bid threshold is extremely low, and the points are permanently valid; There are many special businesses; Joint Katdo
2. Online banking is powerful and easy to operate, supporting Alipay;
3. There are often value-for-money group purchases, with many activities and many tricks;
4, the card function is good, and all aspects of financial management are good;
5. All cards are combined into one bill (easy to repay);
6. There are many kinds of cards with exquisite designs;
7. There is a 48-hour "lost card guarantee"; 800 easy to pick up, good service;
8. It is convenient to shop by stages, and the number of places is not occupied by stages;
9. There are bills in installments;
10, and the card swiping success rate is high.
Disadvantages of China Merchants Bank Credit Card:
1, the interest-free period is the shortest among all issuers, with the shortest 18 days;
2. The integral policy is inhuman (20 yuan gets one point, not zero);
3. There is no SMS prompt for small consumption;
4. All cards are combined into one bill (inflexible);
5. The online payment limit is too low, so points are not calculated.
Summary: China Merchants Bank Credit Card integrates the security of big banks and the services of small banks, and is an essential choice for card users. The premise is that you don't value points. I hope that China Merchants Bank credit card holders can refer to the above knowledge and make good use of China Merchants Bank credit cards to foster strengths and avoid weaknesses!
Extended data:
Credit card raising skills:
1, the number of swipes per card is more than 5 times a week and more than 20 times a month. Reasonable monthly increase, 25-30 strokes per month is the best.
2. The credit card limit should be combined with large consumption. If it is trivial and small consumption, the bank will not treat you as a quality customer, and there are often large consumption to prove your consumption level.
3. It is forbidden to empty the quota in a large number of integers as soon as the account is issued. Basically, it was hollowed out at this time and immediately controlled by the bank. And after March, the risk control is getting stricter and stricter, so don't die.
4. It is best not to spend more than 50% of the total card amount at one time. Of course, if the amount is low, even if it is real consumption, it is best not to concentrate on brushing.
5. One card per day 1-2 is the best. Brush the same card at least 3 hours apart. Brush different cards at intervals of more than 5 minutes.
6. It is forbidden for anyone to check the balance on the POS machine before swiping the card. This is a proposition.
7. Don't always use 0, 6, 8, 9 as the mantissa. Don't use the same last three digits, such as 5222 and 8000.
8. Occasionally installment, especially when the bank calls installment, is basically to spend money to buy a quota. If you want the quota, you must agree to the installment, and you can try to divide it into small and short-term ones.
9. Try not to leave empty cards, leaving about 10%-20%. Some commercial banks have low quotas, which can be increased by credit explosion, but it is best to consume with real quality.
10, try to swipe your card after 9: 00 am and before 10 pm, and try not to swipe your card at other times.
1 1. If you fail to swipe your card once, don't try to swipe your card with a low amount again. Even if it is successful, the risk is too great. We should grasp the remaining credit of the card in real time.
12, card use time, card holding time more than half a year, and monthly transaction volume, timely repayment, the basic withdrawal success rate is high. Generally, you can apply for the first mention after half a year, and then every three months, so you must take the initiative to apply.
13, foreign consumption is very helpful to increase the amount. If you can go abroad or go shopping with friends, classmates and colleagues, you must bring your credit card and brush it hard. Moreover, there are too many overseas activities, and all kinds of cashback double points, so it is easy to swipe your card again.
14. If you are eligible to apply for temporary quota, you can use temporary quota. Except for the four major banks, the general temporary quota is relatively easy to fix. Of course, remember the provisional quota rules and don't be trapped.
15, if you have spare money, make a deposit in the bank or something, commonly known as moving bricks, which is the best way to withdraw the amount.
16, I have done a lot, but I can't get the amount. It's time to try the freezing method, stop using it completely, or pretend to cancel the card.
How about China Merchants Bank credit card?
China Merchants Bank's credit card mainly has the following advantages:
1, beautiful appearance, unique.
2. The monthly withdrawal fee can be used to accept remittance from different places, which is equivalent to free remittance (but it can only be withdrawn once a month, and the interest on overdraft withdrawal is very high).
3. The customer service phone is very convenient, which can temporarily increase the credit limit.
4. It is convenient to insert the card.
5, brush 6 times next year free of annual fee.
6, online shopping is very convenient, you can choose a variety of payment methods.
7. Once the phone is lost, China Merchants Bank will compensate others for the fraudulent amount within 48 hours.
China Merchants Bank (1987) was established in Shekou, Shenzhen. It is the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China and the first pilot bank to promote banking reform from outside the system.
China Merchants Bank is headquartered in Futian District, Shenzhen. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began its public offering in Hong Kong, issuing about 2.2 billion H shares and raising HK$ 20 billion. It was listed on the Hong Kong Stock Exchange on September 22. The net capital exceeds 290 billion, and the total assets exceed 4.4 trillion.
The development goal of China Merchants Bank is to become a leading retail bank in China. Netcom, the first online bank in China, went online in September, 1999, which became a widely used online payment tool for many enterprises and e-commerce websites, and promoted the development of e-commerce in China to some extent. 201April 2, 5 China merchants group co., ltd. plans major events. In order to ensure fair information disclosure, safeguard investors' interests and avoid abnormal fluctuations in the company's share price, the company's shares were suspended from trading on April 3, 20 15 upon the application of the company.
By the first half of 20 17, China Merchants Bank had more than 1800 domestic and overseas branches, set up service outlets in more than 30 cities in Chinese mainland/kloc-0, and had 5 overseas branches and 3 overseas representative offices with more than 70,000 employees. In addition, China Merchants Bank also wholly owns CMB Financial Leasing Co., Ltd. and holds China Merchants Fund Management Co., Ltd., holding 50% equity of China Merchants Cigna Life Insurance Co., Ltd. and 50% equity of Zhaolian Consumer Finance Company; Wing Lung Bank Limited and CMB International Financial Holdings Limited are wholly-owned companies in Hong Kong.
Since it was first selected into the Fortune Global 500 in 20 12, it has been ranked among the Fortune Global 500 for seven consecutive years, and ranked 2 13 in 20 18. 2065438+On June 26th, 2009, eight banks including China Merchants Bank launched the first batch of enterprise information networking verification systems. 20 19 July, 20 19 released the Fortune Global 500 ranking 188.
In 20 19, 1 1, enterprises in China along the Belt and Road ranked 85th in the list of 100 top enterprises. 20 19 12, China merchants bank was selected as the brand of 20 19 China brand power festival 100. 20 19 12 18, People's Daily's "China Brand Development Index" 100 list ranked 3 1. In 2020, 65438+ 10 and 65438+March were selected as winners of 2020 Hurun to Shangyou products. In March 2020, it was selected as the 74th in the Top 500 Global Brand Values in 2020. In May of 20021year, it ranked 22nd in "20021Forbes Global Enterprise 2000".
How about China Merchants Bank's credit card?
China Merchants Bank credit card is better, which mainly has the following advantages:
1, fast card processing and high quota. (Jingxiang said card A) The maximum amount of credit card gold card can reach 50,000 yuan, and the annual fee is free in the first year. If the cardholder swipes the card for a specified number of times, the annual fee for the second year may be exempted. If the new household meets the standard, users can also get gifts, and credit card points can also be exchanged for Starbucks and video members.
There are many kinds of credit cards in China Merchants Bank. According to the consumption needs of different types of users, China Merchants Bank has launched various types of credit cards, including standard credit cards, high-end credit cards, featured theme credit cards and fashionable credit cards.
3. Provide 35% discount on food, 9 yuan movie viewing and 10 yuan storm;
4. Borrow cash in advance and take it with you everywhere. It also provides various services such as bill installment and e-loan installment;
5. Provide five-fold security.
So much for the introduction of China Merchants Bank's credit card.