Question 1: Are there any regional restrictions on the usability of credit cards from various banks? Hello, there is no distinction between local and off-site credit cards when used in mainland China. If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.

Question 2: Are credit cards used and processed in different regions? Can locals apply for out-of-town credit cards? Hello, you need to apply for a CITIC credit card in a city with CITIC Bank. After applying for the credit card, there are no geographical restrictions on card consumption and use.

After swiping your card for consumption, you only need to repay the money on time.

Credit card repayments can be repaid through online bank transfer, through third-party merchants such as Taobao in the form of payment, and through Lakala swiping cards.

Question 3: Are there any regional restrictions on opening a credit card account? (China Merchants Bank) You need to apply where you work and live, and it has nothing to do with your place of residence.

Question 4: Can foreigners apply for a credit card? Are there any geographical restrictions on applying for a credit card? (China Merchants Bank) There are no geographical restrictions on household registration when applying for a credit card, but you must apply in the place where you work.

Question 5: Can credit cards be used nationwide? Hello, there are no geographical restrictions for CMB credit cards, and there are no handling fees for card purchases. Merchants only need to support credit card payments from our bank. There is no difference between the bank, other banks, and local and other places for cash advance, and the charging standards are the same; you can pay through CMB counters or automatic deposit machines. CMB credit card repayment is free of charge.

If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; or search "cmb4008205555" in WeChat to follow "China Merchants Bank Credit Card Center" For consultation, thank you for your attention and support to China Merchants Bank!

Question 6: What types of bank cards are there? Are there any regional restrictions? The difference between debit card, quasi-credit card and credit card

1. Debit card (savings card)

Debit card is issued by the issuing bank to the society and has the function of transferring funds Credit tools for settlement, cash deposits and withdrawals, shopping and consumption, etc. Debit cards do not have an overdraft function, and the consumption characteristic is to pay first and consume later. In order to get a debit card, the cardholder must have an account with the card issuer and maintain a certain amount in deposits. When a cardholder pays with a debit card, the payment is transferred directly from their account at the card-issuing bank to the bank account of the merchant selling goods or providing services. Therefore, the funds in the debit card actually come from the cardholder's checking account or current account (ie, current deposit account), and the payment amount of the debit card cannot exceed the amount of the deposit. Debit card is a unique type of credit card in China. In Western countries, general transfer payment and other functions are mediated by checks, so debit cards are also called check cards.

2. Quasi-credit card

Quasi-credit card is also a credit card with Chinese characteristics. It was created when my country’s credit mechanism was not yet complete. and development have laid a foundation that cannot be ignored for the popularity of credit cards. A quasi-credit card has some functions of both a credit card and a debit card. It generally requires a deposit or a guarantor. When using it, you deposit money first and then spend it. Interest is calculated on the deposit. When shopping and making purchases, you can use it within the limit approved by the card-issuing bank. Make a small overdraft, but the overdraft amount will accrue interest from the date of overdraft, and the outstanding balance must be paid off in one go. There is no interest-free repayment period and minimum repayment amount.

3. Credit card

A credit card is a credit card in the narrow sense that we often refer to. It is a payment card that provides consumer credit to cardholders. People do not need to make deposits at the card issuing bank, but can "buy first and settle the money later. Based on the customer's credit and other circumstances, the card issuing bank sets a credit limit for each credit card account. Generally, the card issuing bank sends a credit limit to the cardholder every month For a one-time bill, the cardholder can choose to pay off the bill in full within a certain grace period after receiving the bill, without paying interest; or pay part of the bill, or only pay the minimum repayment amount, and then pay interest later. This credit card is currently the most widely circulated payment card. Its core features are credit sales and revolving credit.

Nowadays, cards generally have no geographical restrictions.

Question 7: Apply for a credit card on Alipay. Are there any geographical restrictions? No, you can apply.

But to activate it, you have to go to the bank. If there is no corresponding bank locally, you need to go elsewhere to activate it.

Question 8: Does credit card use need to be divided into regions? Hello, there are no geographical restrictions on the use of credit cards.

If you hold a credit card from our bank with a VISA, MASTERCARD, JCB or American Express logo on the card, it can be used overseas (including Hong Kong, Macao and Taiwan) (including online payment). Credit card purchases overseas through international lines will be settled in U.S. dollars. If the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. If the consumption amount is US dollars, there will be no foreign exchange settlement fee.

If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ corporate friends and add "China Merchants Bank Credit Card Center" as a friend; or Search the number "cmb4008205555" in WeChat and follow the China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!

Question 9: Are there any restrictions on applying for a credit card? Which places cannot apply for ID cards and working companies? Proof, either proof from the company you work for or proof of the funds you have to ensure that you can afford the repayment.

Question 10: Are there any regional restrictions on the usability of credit cards from various banks? Hello, there is no distinction between local and off-site credit cards when used in mainland China. If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.