I am about to graduate from college and want to apply for a credit card. How about China Merchants Bank’s FIRST graduate credit card?

After we graduate, we will spend a lot of money. For example, when we are looking for a job, we need money for food, clothing, housing, and transportation. But when we just enter the society, we have very little money to use, and many young people don’t have money. If we are willing to continue to ask for living expenses from our parents, we need to apply for a credit card that can be overdrafted to relieve the pressure of our lives. I think China Merchants Bank’s FIRST graduate credit card is a good choice.

China Merchants Bank’s FIRST Graduate Credit Card is a credit card specially designed for newly graduated college students. This bank card has many advantages. First of all, because it is targeted at newly graduated college students, its application difficulty is low. The application approval rate is high. Moreover, the annual fee is waived for graduates who apply. After the application is approved, you can also receive exquisite gifts such as trolley cases and school bags. This credit card can also give us cash back after the consumption reaches the standard. The cover of this card is also very fashionable and in line with the aesthetics of our young people. For college students, China Merchants Bank’s FIRST graduate credit card is very good.

China Merchants Bank’s FIRST graduate credit card can be overdrafted, which can very well alleviate the problem of social and economic shortages that we have just entered, but we cannot spend money indiscriminately, otherwise this credit card will not only not alleviate our problem, On the contrary, it will increase the stress of our lives. The self-control ability of newly graduated college students still needs to be strengthened, so they must learn to consume rationally and do not overdraft their bank cards. Moreover, overdrafts are charged with interest, and the longer the loan period, the more interest there will be, so if it is not necessary, it is better not to make excessive purchases, and if you are overdrafted, you must repay it on time to avoid affecting your creditworthiness.

To sum up, this is my opinion on China Merchants Bank’s FIRST graduate credit card. If you really need a bank card that can be overdrafted, then you can apply for it. If you have enough funds, you don’t need an overdraft. Then there is no need to apply for China Merchants Bank's FIRST graduate credit card. This can prevent us from being unable to control ourselves and spending money indiscriminately with a credit card.

How to graduate quickly with China Merchants Bank Credit Card

If you are referring to a limit increase, there are currently three ways to apply:

1. You can apply after holding the card for a period of time After the time has elapsed, you can apply for an increase in your credit limit by calling our customer service hotline or logging into online banking or calling our customer service hotline. We will apply for you based on your past card use;

2. Or when your When your financial level has improved to a certain extent, you can also provide us with relevant proofs (such as real estate, cars, savings certificates from China Merchants Bank, etc. that you have not provided before), and fax or mail financial proofs that you have not provided before applying for the card, including a copy of the real estate certificate. (The real estate certificate must contain the name of yourself or your spouse or minor children). The relevant departments will re-examine based on your new information.

3. Log in to credit card online banking (Public Edition and Professional Edition), Account Management--Account Limit Management--Fixed Limit Adjustment--Apply to increase the fixed limit. After application, it will be adjusted according to your card usage. The situation is reviewed. If you downloaded Pocket Life, you can operate it through card payment-limit management.

How to graduate faster with China Merchants Bank Credit Card

If you are using a campus version of your credit card and want to apply for a card transfer after graduation, you can currently only do so through Palm Life, and you need to complete the relevant personal information. Try to apply for a credit limit. If successfully used, the sealed credit limit will be automatically unblocked, the credit limit will be obtained, and a new card will be issued.

Processing method:

Choose "Card. Finance → Get credit limit" or "Select → Campus Zone → Get credit card limit on campus version". The system will fill in the credit card limit based on the graduation information you filled in. Time will determine and enter the process of transferring the card after graduation or receiving the credit limit.

Warm reminder: The review will take about one month, and the results will be notified via text message. You can check the card transfer progress in "Card.Payment→Progress Inquiry→Application Progress Inquiry" on Palm Life.

This is the end of the introduction on what to do after graduation with China Merchants Bank’s credit card and campus credit card of China Merchants Bank. Have you found the information you need?