How to cancel a China Merchants Bank credit card
There are three ways to cancel a China Merchants Bank credit card:
1. Call the bank’s credit card center to inquire about cancellation matters;
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2. Use the phone to cancel the credit card;
3. Cancel the credit card at the bank counter:
①Prepare your ID card;
② Pay off the outstanding balance;
③Go to the bank counter and handle the cancellation business. If you no longer want to use a China Merchants Bank credit card, then you must cancel your China Merchants Bank credit card in time, because credit cards have annual fees. If you do not repay the annual fees accumulated over a long period of time, it may bring you serious consequences. Credit stain. Therefore, you should seize the time to cancel your credit card. The development history of China Merchants Bank’s credit card: It started early and achieved professional and integrated services in 2002; its credit card customer center was named the National Call Center of the Year in 2004 and won the Best Call Center Award in China in 2012. By the end of 2016, the cumulative number of cards issued was nearly 80 million, the cumulative annual credit card consumption exceeded 2 trillion yuan, and the per capita consumption was nearly 60,000 yuan. The amount of overseas card transactions ranked first in the industry; business content has also been continuously enriched, and the CMB Mobile Life App The number of downloads has exceeded 100 million, with more than 30 million bound users and nearly 4 million daily active users. At last year’s “Double Eleven” consumption carnival, China Merchants Bank’s credit card transaction volume reached 15.5 billion yuan that day.
At the end of 2008, China Merchants Bank took the lead in the industry to transform its credit card development from extensive operations to intensive operations, continuously innovating service functions, and owning more than 100 credit card varieties, which have been widely recognized and appreciated by the whole society. In 10 years, it has won the title of the most popular credit card among multi-millionaires on the Hurun Report eight times. It has achieved profitability four years ahead of schedule and created a miracle in the international credit card industry. Harvard University has written it into a teaching case.
What is more worthy of imitation in the same industry is to accurately segment the consumer market and launch credit cards with different consumption functions to adapt to the needs of different consumer groups and spending power. In order to accurately grasp the profit direction of the market and better meet the real demands of customers, China Merchants Bank implemented a refined marketing strategy. After conducting a large number of market surveys, analyzes and experimental simulations, it divided its credit card customer base structure into five categories for management. , which are high-end customers, diamond customers, golden sunflower customers, gold card customers and ordinary customers. At the same time, in response to the multi-level requirements of customers, China Merchants Bank provides credit card services that adapt to various consumption scenarios, including unlimited cards, platinum cards, business cards and department stores, airline cards, fan cards and other varieties.
How to cancel a China Merchants Bank credit card
First, call the China Merchants Bank customer service hotline. After verifying the identity, the cardholder submits an application and finally confirms the cancellation, and the bank staff will handle the cancellation. formalities.
Second, go to an offline bank outlet to cancel the card. The cardholder can take the ID card and card directly to the bank counter to cancel the card. It should be noted that the above two cancellation methods require that the credit card limit has been paid off in full and there is no outstanding balance before the cancellation procedure can be processed. If our credit card limit has been used, the cancellation cannot be processed.
The last thing I want to say is that we should use credit cards in moderation. We must consume according to our ability. We must not blindly use credit cards to overdraft. After all, the money spent needs to be repaid, so it is not necessary to put pressure on yourself. Well, holding multiple credit cards is actually not a good idea. It is recommended to only have one or two and cancel the excess to prevent over-consumption.
There are a thousand Hamelets among a thousand people. No two identical leaves can be found in the world. Everyone has different opinions and views. For the same thing, everyone can There will also be different judging criteria.
My answer may not be the most standard or correct, but I hope it can be of some help to you and get your approval. Thank you!
How to cancel a China Merchants Bank credit card? There are two methods as follows
1. Offline cancellation: With the user’s ID card, go to the bank in the city where the account is opened to cancel;
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2. Online cancellation: Cancel by calling the credit card customer service number, but you will need to provide some supporting documents when canceling. Usually after the bank has verified and confirmed the user information, the account can be canceled.
The above is how to cancel the credit card of China Merchants Bank? Related content.
What is a credit card?
A credit card, also known as a credit card, is a personal credit certificate given by commercial banks to users who meet personal credit standards. The method is a card with the card issuing bank's name, expiry date, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Users with credit cards can buy things or consume at specially invited commercial units, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraw within the required limit. Credit card consumption is a method of monetary transaction payment. There is no need to pay cash when consumption, and the loan will be repaid on the credit card bill date.
Credit card cash withdrawal methods
1. Cash advance withdrawal: Cash advance is one of the functions of bank credit cards. Cardholders do not need to apply to the bank in advance. They can directly insert it into the ATM machine. Withdraw cash by card, and the amount of cash withdrawal is generally 50% of the available limit of the bank's credit card;
2. Cash withdrawal in installments: This type of withdrawal method requires the cardholder to apply to the bank, and the bank will also conduct approval. If approved, , the bank will transfer the money to the bank's savings card under the cardholder's account; if the approval is not passed, the cardholder will not be able to withdraw cash;
3. Credit card overpayment withdrawal: Overpayment is The money stored in the bank credit card by the cardholder can be withdrawn directly from the ATM machine.
Where to apply for a credit card
1. Application at service outlets: Users should bring their ID card, work unit certificate, fund certificate and other materials to a nearby bank service point to apply;
2. Third-party software application: You can follow the official account of the third-party payment platform, select the type of credit card you want to apply for, and then fill in the information according to the information prompts;
3. Apply online: Log in to the bank's credit card website, select your favorite credit card category, and follow the prompts.
A credit card is a card that can replace cash transactions. The card-issuing institution has gone through certain credit risk management processes to review and prove that the user has good personal credit and can make purchases at specially appointed stores to conduct various consumer behaviors. This article mainly writes about how to cancel a China Merchants Bank credit card? Related knowledge points are for reference only.
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