If it refers to the credit card of China Merchants Bank, the credit limit is comprehensively evaluated according to the information attached to your application and the specific situation at the time of your preliminary examination. Please refer to the test results for the specific credit limit. The starting point of the credit line (fixed line) of our credit card is RMB11,000 yuan or equivalent, and the upper limit is RMB 50,000 yuan or equivalent. Under normal circumstances, the fixed amount of Puka is 1 1,000 yuan-1 1,000 yuan, and the fixed amount of Gold Card is 1 1,000 yuan-50,000 yuan. Generally speaking, the amount of a platinum card is a fixed amount of 50,000 yuan plus a temporary amount that is voluntarily adjusted for you every month. At this time, you can use the sum of the two parts for credit card consumption.
The annual credit card fee of China Merchants Bank is RMB 100/year for ordinary cards and 300 yuan for gold cards. 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 under the credit card number, and the previous date 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 partners will reduce the annual fee for the first year, and the annual fee will be reduced for six times (unlimited amount) in the whole year of the second year (from the spontaneous card date, non-natural year), and reduced 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.
The basic functions of China Merchants Bank credit cards are the same, such as credit card consumption and online payment. We will launch different offers and promotions for different credit cards from time to time. Due to different personal preferences, I suggest you choose according to your own preferences.