The vast majority of China Merchants Bank credit cards are not opened (activated) and do not charge an annual fee. Personal high-end credit cards (such as platinum cards, unlimited credit cards, etc.). ) due to special rights and other reasons, you need to charge a certain fee. Credit cards that have been opened (activated) are free in the first year. If you spend less than six times a year, you will be charged an annual fee next year.

1. What is the credit card limit of China Merchants Bank?

The credit card limit of China Merchants Bank is generally between1000-50,000 yuan. Specifically divided into four situations. The amount of a general card is 1000- 10000, which can reach 50,000 yuan in areas without a gold card. Gold card amount 10000-50000 yuan; Generally speaking, the amount of platinum card is more than 50 thousand yuan; Unlimited cards only issue cards to platinum credit card users, but the amount is the same as that of platinum cards, and the amount is more than 50,000 yuan.

2. How many days is the grace period for credit card repayment of China Merchants Bank?

The grace period for credit card repayment of China Merchants Bank is 3 days. Repayment within the grace period is regarded as timely repayment, without interest and late fees, and will not affect personal credit. The grace period of China Merchants Bank's credit card repayment date can be enjoyed without application, but it is recommended that you repay before the repayment date, which is conducive to maintaining your good credit.

Credit cards usually have a billing date. According to the regulations of China Merchants Bank,18th after the billing date is the final repayment date.

3. How should China Merchants Bank cancel its credit card?

1. Telephone cancellation: You can call the customer service phone of the credit card center, follow the voice prompts and transfer to manual service, and apply to the customer service staff for cancellation of the credit card. After the customer service verifies the identity, it will go through the cancellation procedures.

2. Cancellation of business outlets: bring my ID card and credit card to the counter of business outlets for cancellation, and submit the cancellation application to the counter staff for handling.

4. How about China Merchants Bank's credit card?

The credit cards of China Merchants Bank are divided into Puka, Gold Card and Platinum Card. Each level has a variety of targeted cards, and their respective advantages are different. For example, the advantage of YOUNG Card (Youth Edition) is that it is free to withdraw cash for the first time every month and enjoy double points in the birthday month; The advantage of Constellation Guardian Credit Card is that it is easy to apply for a card, and the amount is high. It is free to apply for new households to reach the standard, and TOMMY's backpack is sent in a limited time.

1. China Merchants Bank credit card has a powerful installment function, which can not only purchase household appliances and cars in installments; You can also apply for cash installment, that is, apply for a large amount of cash and repay by installment;

2. China Merchants Bank has accumulated points for credit card consumption, and cardholders can exchange points for various points gifts;

3. China Merchants Bank credit cards often hold various promotional activities such as discounts and sweepstakes;

4. China Merchants Bank's credit card self-service function is powerful, and it is very convenient to check bills, repay loans and apply for adjustment.