Why you must apply for a credit card from China Merchants Bank, you may not know these benefits

Welcome to pay attention to China Merchants Bank credit cards. The basic functions of credit cards are the same. You can swipe the card for consumption, online at home and abroad. Payment, cash advance, installment payment, credit card points, accumulated credit, interest-free period of up to 50 days, etc. Different discounts and promotions will be launched from time to time for different credit cards. Since personal preferences are different, it is recommended that you according to your Choose according to your own preferences. If you need to know the details of the credit cards currently launched by China Merchants Bank, please log in to the credit card website, click "Credit Card Application" and select the card you are interested in.

Why is it said that I have applied for a China Merchants Credit Card?

There may be two situations: 1. Information 2. Personal information leaked. In this case, it is recommended to call the bank to ask about the situation.

If it is information, it is recommended to ignore it and call the police if necessary to clearly identify the information

If it is personal information leaked, it is recommended to block such push messages and protect personal data in a timely manner

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When a user applies for a China Merchants Credit Card, staff will come to the door to process the application. This is because China Merchants Bank has regulations that require the applicant to see the applicant in person, verify the applicant's original ID card, and see the applicant's signature in person. Therefore, after applying for a credit card through online channels, China Merchants Bank will arrange for staff to come to apply for the card. The staff's visit to apply for the card will not affect the final result of the card application. Users only need to actively cooperate with the staff to complete the review. In addition, when staff come to apply for a card, you can avoid using your ID card to apply for a credit card, making the card application more secure.

How to apply for a China Merchants Credit Card?

1. After reaching the age of 18, you can bring your personal identity certificate, income certificate, work certificate, personal credit report certificate and other materials to the branch of China Merchants Bank to apply for credit card. The bank will comprehensively review your personal comprehensive qualifications. Once approved, it will take 7-10 working days to get the credit card and apply successfully.

2. Log in to the China Merchants Bank mobile APP, select credit card application, enter the new customer application channel, apply through the online banking application appointment platform, fill in the relevant appointment information, and wait for the bank's review. After the review, professional bank staff will come to your door. Apply for a credit card for you.

Of course, you can also apply online:

1. Please open the official website of China Merchants Bank and select "Credit Card" - "Card Application" - "New Customer Application";

2. Please bring the original ID card, work certificate, and financial certification documents to any CMB branch;

3. Add "CMB Credit Card Center" on WeChat and click "I want to apply for a card"

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4. Call the customer service hotline, select "3#" to apply for credit card consultation, and then select "1" to transfer the service specialist to register for you.

What are the benefits of applying for a China Merchants Bank credit card?

(China Merchants Bank) credit card mainly allows you to consume first and then repay. You can use bank funds to consume in advance and enjoy the interest-free period. This is a A way to manage money. Credit cards can be used as payment tools and can be consumed directly through the card-swiping POS machines or online payment platforms installed by merchants. Banks will also provide you with various forms of points, discounts, installments, draws, promotions and other activities. Credit cards are still the main international payment tool. You can conveniently shop overseas and on international websites. If you are staying in a hotel on a business trip, only a credit card can complete the hotel pre-authorization for you.

Why do everyone use credit cards from China Merchants Bank?

1. China Merchants Bank has a huge team of account managers. Just imagine, there are hundreds of people in each city who issue cards. For example, the crowd tactics: each person makes 10 sales attempts a day, 5 out of 10 people are willing to listen to him, 3 out of 5 people are somewhat interested, 2 out of 3 people want to apply for a card, and finally 1 person may After passing the review, each account manager can get one card per day, and hundreds of people can handle a lot in one day, and more and more people will use it in the market.

2. The threshold for a CMB credit card is relatively low. For example, an ICBC credit card requires a real estate certificate to be successfully applied for, while a CMB credit card can be successfully applied for as long as you have an ID card, business card or income certificate (generally state-owned commercial banks) The threshold is relatively high)

3. Credit limit. If the same person applies for a credit card, the limit for a China Merchants Bank credit card may be slightly higher than that of other banks. Generally, everyone likes to use a credit card with a higher credit limit. It is for the convenience of overdraft, such as buying big items, and secondly, it is also for the sake of face, haha

4. The density of advertisements of China Merchants Bank, the variety of cards, and the service are quite satisfactory

Generally speaking, everyone is familiar with China Merchants Bank. In addition, some other banks have begun to learn from China Merchants Bank’s marketing model, such as Industrial Bank, etc. Some banks have outsourced their card issuance business to some companies named "Information" Technology" company, which has made credit cards more and more popular, and to a certain extent also promoted the expansion of China Merchants Bank's credit cards.

Another point (off topic, haha) is that credit cards are becoming more and more popular, and fierce competition has made the threshold for applying for credit cards lower and lower. I am still worried about a situation like the subprime mortgage crisis happening. , Haha, hope is just unfounded worry.

That’s it for the introduction of why to apply for a merchant credit card.