Although the risk control of China Merchants Bank is also relatively strict, compared with most banks, the risk control point of China Merchants Bank is still relatively high, not as direct as other banks. It can be said that the risk control of China Merchants Bank depends on the amount and contribution.

Generally, when the credit card limit is not high, the bank definitely wants you to spend more, so for cardholders with a credit limit of about 6,543,800 yuan, risk control is generally not done. However, when the cardholder's quota reaches a certain level, such as the credit card quota exceeds 30,000 yuan, it is possible to take risk control measures against you. _ _ _ _ However, as long as you don't overdo it, China Merchants Bank will turn a blind eye to you, especially for card friends who often contribute in installments. China Merchants Bank basically does not control risks. However, if you go too far, you will be arrested and sent to the black house and the country.

Savings card is a kind of financial transaction card issued by the bank to provide financial services for depositors, which belongs to a kind of debit card. There are two kinds: magnetic stripe and chip. Its main function is to deposit and withdraw money at networked ATMs and bank counters and spend it at networked POS machines. The main function of a savings card is to save deposits. Cardholders can read and manually enter passwords through the electronic payment network established by the bank and the magnetic stripe of the card, so as to realize the functions of credit card consumption, ATM withdrawal, transfer and various payments. The expenses incurred through the card are equal to the decrease in the balance of the savings account. If the account balance is zero, the payment function of the card will also be reduced to zero. The application for a savings card is very simple, and you can get it right away without bank approval.

Savings card fees mainly include annual fee, small account management fee, loss reporting fee, new card cost, cash withdrawal fee (including local interbank, remote bank, remote bank, overseas ATM, Hong Kong and Macao), transfer fee (including remote bank, remote bank, local interbank and overseas wire transfer) and online banking transfer fee (including remote bank, remote bank, local interbank and overseas remittance).