1. If you can provide sufficient financial documents, such as the property right certificate of your own commercial house (real estate license, house purchase contract, etc.), you can apply directly to China Merchants Bank. ), self-owned vehicle certificate (self-owned vehicle driving license, bank car loan certificate), income certificate (copy of bank payroll record, income tax withholding certificate and other materials).

2. Daily consumption habits will also affect the credit card quota, such as increasing credit card frequency, consumption amount, stable and sustainable consumption rate, and withdrawal times. You can apply for a temporary limit after 3 months of credit card processing.

3. Whether to repay in full and on time to eliminate the late payment fee and experience the credibility will also affect the credit card limit. After meeting point 2 and the credit card has been processed for 6 months, you can apply for a permanent increase in the credit card limit.

After using the bank's credit card, you must repay it on time before the repayment date every month. If you can't repay in time in case of emergency, you can call the bank's customer service hotline and apply for deferred repayment.

Extended data:

Matters needing attention in applying for China Merchants Bank Credit Card Gold Card:

1. If the user already holds the CMB Gold Card, he can apply for a supplementary card for his immediate family (parents, spouse or children). When applying, he only needs to fill in a form, and the required contents include the name of the main card holder, date of birth, ID number, supplementary card applicant information, etc.

2. The teller of China Merchants Bank Branch can assist in printing the sunflower running bill for nearly 3 months or provide the daily deposit certificate, or you can contact the corresponding account manager, who will issue the recommendation certificate.

3. The main cardholder of credit card can apply for supplementary card for immediate family members (parents, spouses or children). The secondary card and the primary card share the credit limit of the primary cardholder's account, which will be included in the primary cardholder's bill together with the consumption of the primary card.

4. If the cardholder can't repay on time, he must bear the overdue repayment interest higher than the overdraft interest, which may cause a bad credit record. It will be very difficult to get a loan from the bank in the future, and even bear the legal risk of personal credit loss.

Baidu Encyclopedia-China Merchants Bank Credit Card

Baidu Encyclopedia-China Merchants Bank Card Gold Card