Is there such a thing as internal credit card processing? How is it generally handled?

There is no internal processing. It is recommended to apply for a credit card through formal channels. There is no fee for application.

If you apply for a China Merchants Bank credit card, you need to be between 18 and 60 years old. If you can provide an ID card (the temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book), proof of work You can try to apply with proof of income. If you apply for a car card, you need to attach a copy of the driving license in your name. If the local branch has clear regulations, the local branch regulations need to prevail. The verification of the credit card is subject to the final review result. allow.

If you only have an ID card or are not old enough, you can apply for an additional card for immediate family members (immediate family members are parents, children, and spouses).

You can log in to the credit card website, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online, and wait for bank review , if you pass the preliminary review, our bank will first conduct a preliminary review. If you pass the preliminary review, there are two subsequent card application processes. One is if you pass the preliminary review, a card application officer will contact you to come to collect the card; the other is that you will receive a text message from our bank. You will be notified to go to the branch to sign and confirm the application. The details will be subject to the notification from our bank after the preliminary review is passed.

Is there an internal bank channel for credit cards?

No.

According to the provisions of Article 7 of the "Credit Card Articles of China Merchants Bank (Ninth Edition)"

Chinese residents who are over 18 years old, have full capacity for civil conduct and have good credit standing, and are resident in China Foreigners with full capacity for civil conduct and compatriots from Hong Kong, Macao and Taiwan with full capacity for civil conduct can apply for a personal credit card master card from the card issuer with their valid identity documents.

There are only three application channels:

1. Make an appointment to apply for a card online. After completing the appointment, our bank will notify you of the preliminary review results by phone or text message within 7 working days. If the initial review is passed, a dedicated person will come to apply for the card for the customer.

2. Make an appointment to apply for a card by phone - call the 4008205555 service hotline and press 3# to enter "Application for Credit Card".

3. You can bring your ID card and apply for the card in person at our bank’s business outlets.

There is no internal bank channel, so there is no internal bank channel for credit cards.

Extended information:

Relevant provisions of "China Merchants Bank Credit Card Regulations (Ninth Edition)"

The principal cardholder of a personal card can also be a specific person with Natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct apply for supplementary cards. Supplementary card application materials must be confirmed by the primary cardholder's personal signature, customer service call recording, electronic signature, or a method mutually recognized by the cardholder and the card issuer. The main cardholder can apply to cancel the supplementary card at any time.

The supplementary cardholder and the principal cardholder*** use the same account credit limit. The principal cardholder can set the usage limit of the supplementary card in one billing cycle within the account credit limit. . All transaction amounts and corresponding interest, fees, etc. of the main card and supplementary cards are credited to the same account. The main cardholder is responsible for repaying all debts incurred under the main card and supplementary cards.

Any entity that opens a basic deposit account in a financial institution within China can apply for an entity card from the card issuer with the basic deposit account opening license issued by the People's Bank of China and other supporting documents (if you need to apply for an international entity card card, you must also have a foreign exchange settlement account). The qualifications of the company card holder shall be designated and revoked in writing by the company. The applicant unit shall bear all debts incurred by the unit card in accordance with the law.