If you apply for a China Merchants Bank credit card for the first time and make an online banking appointment, the system will conduct a preliminary review based on the data you filled in. After review, there are two different situations:
1. A China Merchants Bank specialist will contact you by phone within 4 working days to make an appointment for a visit;
2. Send an audit notice Text message to you. You need to use your text message and valid ID card to sign for confirmation at any branch of China Merchants Bank within 30 days. If the verification is successful, the card will be sent to you by mail and will be received about a week after it is sent.
Note
1. In both cases, the system assigns it automatically and cannot be selected. The final approval result shall prevail.
2. If the face-to-face signing time exceeds 30 days, the application materials should be resubmitted to the store for processing. Online banking appointments can only be requested once within two months.
China Merchants Bank’s credit card system sends a text message indicating that it has been successfully accepted, which means that the bank’s credit card department has begun to review the credit card application information and is in the review stage. You can check the credit card processing progress. The steps and methods for checking the credit card processing progress are as follows:
1. Online query: log in to the bank's official website, click on the credit card application progress online query channel to enter the query;
2. Telephone inquiry: Call the bank’s credit card hotline and check the ID number.
Basic credit card processing process:
1. After entering the application page, select the application area, and the system will list the types of credit cards that can be applied for in this area. Click Apply now to enter the information filling page.
2. When applying, you must fill in true and valid application materials, and the bank will distinguish them.
3. Submit the form after completing it, and the system will automatically conduct preliminary review. After the preliminary review is completed, it will be submitted to the local branch for further review.
4. The online application is basically the same as the actual paper application. You need to be over 18 years old, have a stable job and the ability to repay.
5. Proof of identity: usually an ID card (if you use a new ID card, a copy of the front and back is required), military personnel need to provide a copy of their military ID;
6. Proof of employment: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position, income, and stamped with the company seal or personnel seal), or it can be a copy of the work permit/number plate verified and indicated by the sponsor;
7. Financial proof: It can be issued by bank salary records, or income tax withholding certificates, or proof of the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving certificates/ Bank time deposit certificate) and other materials can prove your financial level.
8. Other reference materials include: personal social security account list for the last 6 months, water bills, gas bills, other bank credit card bills, etc.
Operating environment
China Merchants Bank version information 9.5.0