Most of China Merchants Bank’s credit cards do not charge annual fees before the card is opened. A very small number of card types will charge certain fees due to high costs. In addition, if the applied credit card has not been opened, the card will automatically become invalid after expiration, and China Merchants Bank will no longer renew the card for the customer.

1. First, you need to confirm whether your card has been approved and issued successfully. If it does not pass the approval, that is, the card has not been issued, then there is no annual fee and you can apply again.

You can use the browser (computer: macbookpro mos14 to open google version 92.0.4515.131) to query here:

/CmbBank_GenShell/UI/GenShellPC/CreditCard/NetApply_QuerySchedule.aspx

Just enter your ID number.

2. If it is more than three months ago, you need to call 8008205555 or 021-38784800 and press 702 to transfer to manual service to check whether there is a credit card under your ID number. If not, you can reapply. If so, tell him you didn't receive it and ask him to reissue it.

3. Since the young card does not have paper bills, it only accepts bills via email. Therefore, if you do not fill in the email address, the possibility of approval is very small. The Young Card is free of annual fees in the first year, and the annual fees for the next year are waived for 6 purchases in the first year. If you do not open the card, the first year is free, and the annual fees for the second year will still be charged.

4. If you do not need a credit card, you can also call the China Merchants Bank credit card customer service hotline (400-820-5555) and the transfer service specialist will handle cancellation for you. Cancellation is free of charge.

Extended reading

How to apply for a China Merchants Bank student credit card:

If you are a current student and have never applied for a China Merchants Bank personal credit card master card before, you can Try to enter the campus version area/ccproduct/cardlist.aspx?keyword=u6821u56ED through the official website of China Merchants Bank Credit Card to apply for the campus version credit card. After passing the preliminary review, you can use the notification text message and bring your ID card to any CMB branch in the city where your school is located to go through the signature confirmation procedures without submitting other supporting documents. For example: League of Legends Credit Card Campus Edition is a credit card product launched for college students. Before graduation, the credit limit will be temporarily sealed. By recharging first and then spending, cardholders can normally enjoy dining discounts, movie ticket discounts, points accumulation, etc. Credit card benefits, and you can also enjoy the exclusive benefits of the campus version of the credit card such as specific fee exemptions. You can also start accumulating personal credit information records while you are studying. After graduation, you will have the opportunity to enjoy a higher credit limit by switching to a card. Installment is currently not available, but there is a cash advance function.