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The analysis of China Merchants Bank's credit card, the differences and characteristics of various cards, and the gospel of credit card lovers.

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2021March1June 18:00

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Hello card friends!

China Merchants Bank is more suitable for most cardholders' first cards, because generally, they will not refer to the quota of other banks when handling cards, but most other banks will refer to the quota of China Merchants Bank. Once China Merchants Bank graduates, other banks can conquer them one by one. Let me talk about some card types of China Merchants Bank.

As for the types of cards, I will briefly summarize them here. Specific rights and interests can be learned in official website.

1, China Merchants Bank Youth Card

Entry-level card type, suitable for student party and wool party, good card opening ceremony.

2, classic white

Once one of the three big cards, you know! Suitable for all kinds of business people, free of annual fee, moving bricks for 500 thousand 3 months, the company is a high-quality unit, with a house and a car, 300 thousand cars can handle classic white

3. Centurion Platinum Card

The rights and interests are quite excellent, and it is the overlord card of business travel.

Young cards are one of the most widely used cards, as well as classic white cards. However, the classic white card threshold and the withdrawal threshold are getting higher and higher, especially for many friends who graduated from gold cards. Waiting for the left and waiting for the right just can't wait for the classic white invitation link, and the gold card that has graduated can't seem to break the card spell.

It is also a good idea for China Merchants Bank to handle high-end cards indirectly, rather than in one step. With the tightening of the high-end card handling rules of China Merchants Bank, the gold card quota graduated with a quota of 60,000. It's almost impossible to upgrade to classic white with a gold card, but when you graduate with a gold card quota, you may receive an invitation from UnionPay Platinum Card in your palm, and card friends can try it.

After using the card for a period of time, you can apply for classic white with this card, which has a high probability of success. The annual fee of UnionPay Classic White's main card is one year's 800 yuan, but if you spend 20 times in that year, the annual fee can be reduced if you accumulate 80,000 yuan. Even if you can't get the classic white for the time being, you can avoid the annual fee, and the cost of handling the card will not be too high.

Classic white application conditions

1. China merchants bank pays wages on behalf of it, with a monthly income of more than 15000. If it is another bank, you need to provide a tax bill.

2. The daily average assets of China Merchants Bank, including wealth management of 500,000 yuan, have reached the standard for 3 months.

3. If the salary is not high and the deposit is insufficient, take good care of the card, pay more attention to pocket life, apply for the UnionPay Platinum Card once the cash withdrawal invitation appears, and then consider applying for the classic white card.

Of the above three conditions, the last one is the easiest to realize. However, under the background that the classic platinum card is no longer invited in the palm life, it is also a good way for UnionPay White Curve to apply for the classic white card, but it will take a lot of time.

Two points and precautions of China Merchants Bank

Highlights:

1. Cash withdrawal block: Generally, the amount of the first card for investment promotion is not high, but the cash withdrawal is fast. Usually, temporary dosage is given in the first month of use and fixed dosage is given in three months.

2. Cash installment: cash installment, not accounting for the credit line.

3. Car installment: it is mainly used to buy a car, and usually the amount is more than100000.

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