China Merchants Air China Yin Zhi Credit Card is favored by cardholders because it can consume accumulated air miles. Many cardholders are not only interested in how to handle this card, but also very concerned about its annual fee. Want to know how many times to swipe your card before you get rid of the annual fee? Let's take a look together.
China Merchants Bank Air China Companion Credit Card is a joint airline credit card of China Merchants Bank. There are two kinds of cards: Puka and Gold. With this card, you can accumulate Air China miles, and the cardholder can also enjoy high aviation accident insurance, with a gold card of 2 million yuan! Puka 500 thousand!
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
China merchants air China bosom friend credit card annual fee
Puka: the annual fee for the main card is RMB 65,438+000 per year, and the annual fee for the auxiliary card is RMB 50 yuan;
Gold card: the annual fee of the main card is RMB per year in 300 yuan, and the annual fee of the auxiliary card is RMB per year 150 yuan;
At the same time, China Merchants Bank introduced an annual fee-free policy. The annual fee for the first year is paid by Air China, and the annual fee for the second year is exempted after swiping the card six times a year. In addition, if the card is not activated, there is no annual fee, and the number of online payments is calculated.
Note: The annual fee of China Merchants Bank's credit card is generally determined according to the cardholder's card opening date, not every natural year. If your CMB bosom friend credit card was opened on June 5438+ 10/,an annual fee will be charged on June 5438+1 0/every year. If it is not activated, no annual fee will be charged.
If you open a card in the second year, you will receive an annual fee directly.
How much is the handling fee and interest of China Merchants Air China bosom friend credit card withdrawal?
Credit cards can not only overdraw consumption, but also provide cash withdrawal services for cardholders, but there are fees and interests to be charged for cash withdrawal by credit cards. Let's take China Merchants Bank's bosom friend credit card as an example to introduce the related matters of China Merchants Bank's credit card cash withdrawal, hoping to help everyone.
China Merchants Bank Air China Companion Credit Card is a joint airline credit card of China Merchants Bank. There are two kinds of this card: Puka and Gold. Holding this card can accumulate Air China miles, and the cardholder can also enjoy high aviation accident insurance. Of course, this card can also provide cash withdrawal function for cardholders:
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
I. Charge for cash withdrawal by credit card:
1. handling fee: the handling fee for RMB cash advance in China is 1% of each cash withdrawal amount, and the minimum fee is 10 RMB; The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, and the minimum fee is USD 3 or 30 yuan RMB. There is no inter-bank handling fee for cash advance.
2. Interest: Cash advances do not enjoy interest-free repayment. From the date of collection to the settlement date, interest will be charged at the expected annualized interest rate of 0.5 ‰ per day, with compound interest on a monthly basis.
take for example
Card friend Xiao Qi 15 used China Merchants Bank's bosom friend credit card to withdraw 10000 yuan, and it will not be fully paid off until next month 15. The expenses she needs to pay are as follows:
Interest: 1 ten thousand yuan,
Withdrawal fee:100001%=100 yuan;
Total cash withdrawal fee: 150+ 100=250 yuan.
Two. Precautions for credit card withdrawal:
1. If you are in urgent need of cash in the short term and have no time to apply for a bank loan, you can consider using a credit card to withdraw cash to temporarily meet the capital operation. If it takes a long time, it is best not to withdraw cash by credit card. Cash withdrawal is only suitable for short-term emergencies.
2. Once you have enough funds, you must return the cash withdrawn from the credit card in time to avoid paying more interest. I will receive five ten thousandths of interest every day, and the expected annualized interest rate 18% is really not low. When repaying, remember to pay off the withdrawal amount, interest and handling fee in one lump sum.
3, don't put the extra money on the credit card, there is no interest, and there is a handling fee when you take it out, which is really a loss. If the amount on the card is not enough, you can apply for temporary withdrawal. It's much easier to take live money with you than to put it in a card. Too many. If you are afraid of losing it, it will be stored in the savings card.
How long will it take to complete China Merchants Air China bosom friend credit card?
The biggest advantage of China Merchants Air China bosom friend credit card is that consumption can automatically accumulate mileage, attracting many card friends to apply. Many card friends want to know how long it will take to get the card after submitting the application. Let's take a look.
China Merchants Bank Air China Companion Credit Card is a joint airline credit card of China Merchants Bank. There are two kinds of cards: Puka and Gold. With this card, you can accumulate Air China miles, and the cardholder can also enjoy high aviation accident insurance, with a gold card of 2 million yuan! Puka 500 thousand!
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
In general, the application for this card needs to go through the processes of personal data review, department review, card data entry, and card quota determination. For those who don't know the processing time, please continue reading:
1. Online application is a relatively quick way to apply for a credit card. The applicant only needs to input personal information such as name and address online, so it can be said that the application can be completed in one minute.
2. In the process of treatment, there will be two kinds of results. One is that individuals who apply for credit cards in banks have bad credit records. Then, this application will generally not pass, and the bank will generally give a result in 7~ 10 days, telling you that the application has not passed; The other is that the personal credit of applying for a credit card is good, so the time for him to apply for a credit card is generally 15~20 days.
3. After verification, the staff will make the card within 2 working days, and then send it by letter with the address on the applicant's application.
4. The waiting time of the letter mailing process is within 15 days.
Based on the above time accumulation, it takes less than 28 days to apply for China Merchants Bank credit card. Because the last mail is a floating value, the speed depends on the distance of the city, so the actual time will be between 18 and 28 days.
How to repay China Merchants Air China Yin Zhi Credit Card?
No matter what credit card it is, it must be repaid after overdraft, otherwise it will be regarded as overdue, and China Merchants Air Yin Zhi Credit Card is no exception. So, do you know how to repay this credit card? The following are some of the most common repayment methods.
China Merchants Bank's Air China Companion Credit Card is a joint credit card of China International Airlines and China Merchants Bank, which can be used to spend convertible Air China miles. In addition, cardholders can also enjoy repayment in consumption abroad and RMB. Book air tickets and deliver them to your door free of charge; It is a very worthwhile credit card to buy a plane ticket and send aviation accident insurance with a maximum of 6,543,800 yuan.
However, in the process of using this card, you must repay it on time. If it is overdue, China Merchants Bank will not only charge late fees and interest, but also affect the cardholder's personal credit record. /kloc-If there are three or more bad records within 0/2 months (three times overdue), China Merchants Bank can freeze the credit card at any time and synchronize the bad records with the People's Bank of China. Cardholders' applications for credit cards, car loans and mortgages from various banks in the next five years may be rejected.
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
So, how do you repay?
After using China Merchants Air Yin Zhi credit card to overdraw, you can repay through online banking, mobile banking and third-party payment platforms. Here is an introduction to your repayment with Alipay.
The mobile phone Alipay has the function of credit card repayment, and it is very convenient to use this function to repay the credit card without paying the handling fee. The specific repayment process is as follows:
1. Open Alipay and click "Credit Card Repayment" → "Repay Now" on the homepage.
2. Enter the credit card account and repayment amount of China Merchants Air China bosom friend, and then select the payment method and repay.
Reminder: Although it is convenient and quick for Alipay to return the credit card, it does not arrive in real time. It is best for card friends to repay in the last 3 days to avoid overdue.
What are the points rules of China Merchants Air China bosom friend credit card?
The most attractive thing about China Merchants Air China bosom friend credit card is that you can exchange points for air miles. Then, how do you exchange this air mileage? How many points can I exchange for a mile? Here is a brief introduction to the credit card points rules of China Merchants Bank, hoping to help you.
Air China bosom friend credit card is jointly issued by China International Airlines and China Merchants Bank. Pay the air ticket or more than 80% of the tour fare with Air China bosom friend credit card, and you can get a high aviation accident insurance for free! You can also accumulate air miles during the consumption process. The specific rules are as follows:
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
1, the credit card points of China Merchants Bank are obtained by swiping the card, and the single consumption is accumulated per 20 yuan or USD 2 1 point; However, China Merchants Air China bosom friend credit card consumption is not cumulative points, but cumulative mileage.
2. If there are supplementary cards, all points accumulated by consumption under the names of the main cardholder and the supplementary cardholder belong to the points account of the main cardholder and are only used by the main cardholder.
3. Use China Merchants Bank's Air China bosom friend credit card to spend, and each time you spend by credit card or borrow cash in advance 1 Air China mileage, there is no need to apply separately.
4. Redemption points can be redeemed directly through China Merchants Bank Credit Card Online Mall;
5. The basic unit of mileage redemption points is 500 kilometers or its integral multiple, and the accumulated mileage is redeemed for Air China award tickets and upgrades according to the mileage reward and redemption rules of Air China Companion Club.
China Merchants Airlines China Zhiyin Credit Card Mileage Redemption Rules
China Merchants Air China bosom friend credit card can accumulate mileage, which can also be redeemed for free air tickets. Oh, hundreds or even thousands of air tickets are saved. Do you think it's a good deal? So, do you know how to redeem these miles? If you don't know, let's take a look at this exchange rule, and you will be satisfied!
China Merchants Bank Air China Companion Credit Card is a joint airline credit card of China Merchants Bank. There are two kinds of cards: Puka and Gold. With this card, you can accumulate Air China miles, and the cardholder can also enjoy high aviation accident insurance, with a gold card of 2 million yuan! Puka 500 thousand!
(VIP exclusive rights; Value-for-money guarantee and worry-free flight; More mileage accumulation)
First, mileage exchange rules:
1. If you use China Merchants Bank's Air China bosom friend credit card, you can accumulate mileage every time you swipe your card or withdraw cash. The conversion ratio is: 18 RMB = 1 air China mileage, or USD 2 = 1 air China mileage.
2. The accumulated mileage can be exchanged for Air China award tickets, and the upgrade will be carried out according to the mileage award and exchange rules of Air China bosom friend club.
3. Credit card consumption or cash advance will accumulate mileage one by one, and integer digits and decimal digits will be ignored, which will be included in the bosom friend membership card account according to the billing month.
Two, the following consumption will not be calculated Air China mileage:
1. Withholding and remitting related expenses.
2. Low-rate and zero-rate merchants such as real estate, automobile sales, wholesale, public hospitals, public schools, government, finance, charity, resident services, and non-profit social services.
3. The announcement on the website of China Merchants Bank will not calculate the category of integral merchants and other consumption.
Three. Air China mileage exchange method
Please log on to Air China's website or call Air China's member service hotline 4006 100666 for information on aviation services such as reward rules and exchange standards.
4. How to exchange Air China miles for air tickets?
1. Log on to Air China's bosom friend website and check the mileage required for your flight segment to ensure that the mileage under your account is enough for this flight segment.
2. Inquire about convertible air tickets through this website, select and submit information step by step. The mobile phone will receive the confirmation message from China International Airlines.
3. In the process of submitting the information in the previous step, the ticket issuing place will be selected, and you must be four hours before the plane takes off (note that it is before! Pick up the ticket at the ticket issuing point of your choice (because the actual ticket is still subject to fuel and tax).
The launch of China Merchants Bank Air China Companion Credit Card and China Merchants Bank Air China Companion Credit Card ends here. I wonder if you have found the information you need from them?