Can I apply for a credit card on my mobile phone?

I can apply for a credit card on my mobile phone.

You can apply for a credit card on your mobile phone. Users can apply for a credit card through the mobile banking APP, WeChat ID, or the application portal of a third-party partner institution. No matter what channel is used to apply for a credit card, the application information will be uploaded to the card-issuing bank for review. And different application channels will not affect the credit card review results.

Generally speaking, if you apply for a credit card through a mobile phone, even if the card is successfully placed, the initial limit of the credit card will generally be relatively low.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, you only need to return the consumed amount on schedule.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and 2 handling fees, ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides gift points.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. cost effective).

Swipe your card for consumption, collect existing points for some credit cards, and offer various discounts and lucky draws throughout the year, so you can always be surprised by using your card; (most credit cards do not have points for online payment, but online shopping payment is very convenient , quick).

Free monthly mailed statements, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements).

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

How to apply for a credit card on a mobile phone

To apply for the main credit card of China Merchants Bank, you need to be aged 18-60 years old (25-60 years old for overseas residents), have certain financial capabilities and have a good credit record. Submit ID card, work certificate, financial certificate and other information.

If you need to apply for a China Merchants Bank credit card, the current application methods through mobile channels are as follows:

1. WeChat official account: You can search "cmb4008205555" on the WeChat official account and follow "CMB Bank Credit Card”. Enter "Apply for Credit Card" and fill in the appointment application information. Details can be verified by WeChat manual customer service;

2. Mobile Banking: Log in to Mobile Banking, click Home → All → Apply for a Credit Card, and select: Apply for a Card for New Customers , it is recommended to apply for a card or add an additional card;

Warm reminder: Mobile banking is temporarily unable to select a card type. If you need to choose a card type, it is recommended to apply through the official credit card website.

3. Palm Life: After logging in to the Palm Life client, select Finance → Card Application → Card Family Portrait Application.

Warm reminder: The credit card verification status is subject to the final review result.