According to Article 7 of the Credit Card Charter of China Merchants Bank
China residents who have reached the age of 18 and have full capacity for civil conduct and good credit standing, foreigners with full capacity for civil conduct and compatriots from Hong Kong, Macao and Taiwan with full capacity for civil conduct can apply for personal credit card master cards with their valid identity documents.
Personal cardholders can also apply for supplementary cards for specific natural persons with full civil capacity or natural persons with limited civil capacity. Supplementary card application materials must be confirmed by the main card holder by personal signature, customer service telephone recording, electronic signature or the way recognized by both the cardholder and the card issuer. The main cardholder can apply for cancellation of the supplementary card at any time.
The vice cardholder and the main cardholder share the same account credit line, and the main cardholder can set the usage limit of the vice card in a billing cycle within the account credit line. All transaction funds and corresponding interest and expenses of the main card and the auxiliary card are recorded in the same account, and the cardholder of the main card is responsible for all debts incurred under the main card and the auxiliary card.
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Relevant provisions of China Merchants Bank's credit card articles of association
According to the credit status of the applicant, the card issuing institution decides whether to issue a card, whether to require the applicant to provide a guarantee and the way of guarantee, and determines the way and type of obtaining a card, the credit limit of the approved account, the overdraft interest rate of the approved account and the minimum repayment ratio. Application materials that have not been approved by the card issuer will not be returned.
IC cards of some card issuers not only support credit card accounts, but also support electronic cash accounts. Electronic cash account has all or part of the functions of electronic cash account transactions, such as small quick payment, balance inquiry and recharge, but it does not have other payment and settlement functions, such as overdraft, transfer and cash withdrawal.
Guarantee methods include: guarantee, mortgage and pledge. Where a guarantee is provided, the relevant parties shall sign a corresponding guarantee contract separately. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, liquidated damages, various handling fees and recourse fees for overdraft within the account credit limit and overdraft outside the account credit limit).
After receiving the credit card, the cardholder shall immediately sign the same signature as the application form in the signature column on the back of the credit card, and use the same signature when using the credit card transaction, otherwise the losses arising therefrom shall be borne by the cardholder, unless otherwise agreed between the cardholder and the card issuing institution or stipulated by the accepting institution or bank card organization.
China Merchants Bank-Credit Card Articles of Association of China Merchants Bank (9th Edition)
What is the visa card of China Merchants Bank? Methods and steps of applying for visa card.
Have you noticed that some bank cards are marked with "visa"? This card is a visa card. China Merchants Bank has launched a visa card, which can be a credit card, a debit card or even a prepaid card. What is the Visa card of China Merchants Bank? How do we apply for a visa card? Next, follow me to have a look.
How to apply for visa card of China merchants bank
Visa card is a dual-currency credit card of China Merchants Bank. It should be noted here that not all visa cards launched by China Merchants Bank are credit cards. For example, the international debit card launched by China Merchants Bank also belongs to the visa card. In general, visa credit cards include ordinary cards and gold cards, so you can pay attention to them when you handle them at ordinary times.
Visa credit card is an overdraft credit card, which is used to spend first and then repay. There is no interest on deposits, and there is a handling fee for withdrawals. Used for credit card consumption. Visa Gold Card is a VIP card for customers with assets of 50,000 yuan of China Merchants Bank, that is, a savings card. Deposit bears interest, which can be used for fixed term, demand, national debt, wealth management, funds, online banking, etc. The handling fee is 50% off. The former is for consumption and the latter is for saving money.
Visa credit card application card opening process:
1, fill in the application form;
Give your personal certificate, professional certificate, income certificate and other information to the bank. , and various copies;
3. The bank sends it to the credit card center;
4. The credit card center conducts audit, business card printing and card issuance;
5. After getting the card, open the card and wait for the password letter.
Do you understand all the above? Visa cards are not only credit cards, but also debit cards, ordinary cards, gold cards, platinum cards and unlimited cards. So, if you want to apply for a visa card, you need to know which visa card you want to apply for. The above also gives you the process of applying for a visa, I hope it will help you.
What is the annual fee for VISA credit card of China Merchants Bank?
Annual fee for VISA Credit Card of China Merchants Bank:
Ordinary card: the annual fee of the main card 100 yuan, and the annual fee of the auxiliary card is 50 yuan.
Gold card: the annual fee of the main card is 300 yuan, and the annual fee of the auxiliary card is 150 yuan.
The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period of the credit card is below++,and the previous day is the issuing date), which is not a natural year.
If you successfully apply for China Merchants Bank Credit Card, China Merchants Bank Credit Card or your partner will reduce the annual fee for the first year in advance, and reduce the annual fee (unlimited amount) for six times in the whole year of the second year (from the spontaneous card date, non-natural year), and reduce the annual fee for six times in the third year. The annual fee for a single card can be reduced or exempted for the following year after spending 6 times (the amount and form are not limited).
And this offer is valid for a long time before the change notice of the new annual fee preferential policy. The number of online consumption can also be accumulated into six annual fee reductions in the following year.
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The difference between China Merchants Bank VISA credit card, gold card and ordinary card;
1. In addition to the annual fee, the credit limit is also the biggest difference between a gold card and an ordinary card. The credit limit of gold card is between 10000- 15000, and that of ordinary card is between 3000- 10000. Generally, when you apply for a high-amount gold card, you should provide proof of identity and income when you apply for a standard credit card, as well as proof of assets such as cars and real estate, which makes it easier to successfully apply for a gold card.
Generally speaking, gold cards can enjoy discounts from many merchants' preferential activities, and there are also many discounts for opening cards. After the Ctrip co-branded card is successfully opened, the gold card will give Ctrip points 1800 points, and the ordinary card will give 800 points. Aviation accident insurance gold card coverage is 2 million, and ordinary card will be 500 thousand. Air China Companion Co-branded Card Aviation Inconvenience Insurance Premium 1 1,000 Yuan, Puka 300 yuan.
2. The design of credit card is different. The background color of gold cards is generally golden yellow, which highlights the characteristics of gold cards. Puka has different colors and no obvious features.
3. With different discounts, gold card holders can enjoy more credit card benefits and conveniences. For example, overseas, we provide free emergency card replacement services for gold card holders.
In addition, the gold card symbolizes honor and shows identity. Gold card holders can enjoy more credit card benefits and conveniences. For example, overseas, we provide free emergency card replacement services for gold card holders.
References:
Baidu Encyclopedia-China Merchants Bank Full Currency International Credit Card
Can China Merchants Bank credit card open VISA function?
1. China merchants bank can handle Visa credit cards.
Applicants can apply at the business outlets of China Merchants Bank with their identity documents, financial certificates and work certificates, or apply online. Take official website as an example. The main process is to log in to China Merchants Bank official website, click Credit Card → Online Credit Card Application → Visa → Apply Now, fill in personal information, submit the application, and then wait for the bank's approval. If you want to cancel this service, please log in to Volkswagen/Professional Online Banking and click Online Payment-Online Payment Function Application-Visa/MasterCard Verification Service. This function is suitable for overseas online payment, and setting up this service is free.
Second, China Merchants Bank visa credit card processing requirements
The requirements for applying for China Merchants Bank visa credit card are the same as those for applying for other credit cards. The applicant shall meet the following conditions:
1. The age should be 18~60 years old, and foreigners are 25~60 years old.
2. Have certain economic ability and good credit record.
If you meet the above conditions, you must not apply for a credit card empty-handed. You need to prepare some application materials to prove your identity, work, income and credit status.
Application materials include: credit card application, copy of the front and back of ID card (foreigner: passport and residence permit or employment permit; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit) and the work certificate issued by the unit. In addition, the proof of real estate, vehicles and deposits in the applicant's name is also helpful for the application.
Third, China Merchants Bank visa credit card processing methods
1. Make an appointment for the card online.
After completing the appointment, we will inform the preliminary results by phone or SMS within 7 working days. If you pass the preliminary examination, someone will come to the door to apply for a card for you.
Tips: Platinum card, unlimited card, etc. Online booking applications are not accepted for the time being.
2. Make an appointment to apply for a card by phone
Call the service hotline 4008205555 and press 3# to enter "Apply for Credit Card".
3. Network card
You can also bring your ID card to our business outlets in person.
The introduction of China Merchants Bank Credit Card visa and China Merchants Bank Credit Card visa ends here. I wonder if you found the information you need from it?