China Merchants Bank Unbounded Card is a digital bank card launched by China Merchants Bank. There is no physical card, which can be divided into debit card and credit card. You can apply online, and you can use platforms such as China Unionpay Quick Pass and China Merchants Bank APP to make payment after successful application. The income certificate and property certificate provided by users at the time of application can be applied for, otherwise it is usually not easy to be approved.

China Merchants Bank Unbounded Card is a credit card, which has the financial function of a credit card. Different users get different credit lines at the time of application. You can use it for consumption or cash withdrawal for subsequent use, but it must be returned on time after use, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more the penalty interest will be.

It is worth noting that the overdue repayment of credit cards will be uploaded to the credit information center, which will lead to the deterioration of personal credit information and affect the subsequent handling of various loans, such as car loans or mortgages. Moreover, after the overdue arrears are returned, this overdue record will continue to be kept in the credit information for 5 years, and will automatically disappear after 5 years.

in order to avoid the situation that the credit card cannot be returned on time after use, users must think about their repayment plan in advance when using the credit card and know what kind of income to return. If you don't have a lot of personal income, you should use credit cards carefully. If you have a lot of personal income, you can use credit cards safely.