According to the Articles of Association of Bank Credit Card (Ninth Edition), the conditions for handling China Merchants Bank's all-currency international credit card are as follows:
Article 7 China residents who have reached the age of 18, have full civil capacity and good credit standing, foreigners with full civil capacity and compatriots from Hong Kong, Macao and Taiwan who have full civil capacity can apply to the card issuer for a personal credit card master card with their valid identity documents.
Personal cardholders can also apply for supplementary cards for specific natural persons with full civil capacity or natural persons with limited civil capacity. Supplementary card application materials must be confirmed by the main card holder by personal signature, customer service telephone recording, electronic signature or the way recognized by both the cardholder and the card issuer. The main cardholder can apply for cancellation of the supplementary card at any time.
The vice cardholder and the main cardholder share the same account credit line, and the main cardholder can set the usage limit of the vice card in a billing cycle within the account credit line. All transaction funds and corresponding interest and expenses of the main card and the auxiliary card are recorded in the same account, and the cardholder of the main card is responsible for all debts incurred under the main card and the auxiliary card.
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Matters needing attention for all-currency international credit cards:
1. This card is enabled with automatic foreign exchange purchase function by default and cannot be cancelled. Rmb consumption record is repayment, and repayment is not supported.
2. Single-label credit card does not support repayment through UnionPay channel (including transfer from other banks, counter service, Lacarra credit card, etc.). ).
3. This card cannot be used on the machines of UnionPay line or non-China Merchants Bank cooperative merchants. If you need to trade in the above channels, it is recommended to apply for other credit card products of China Merchants Bank.
Official Website of China Merchants Bank-Credit Card Charter of China Merchants Bank
What are the requirements for all-currency credit card processing of China Merchants Bank?
Conditions for handling all-currency credit cards of China Merchants Bank:
1, age requirement: 18-60 years old;
2. Have a stable job and income source.
3. Materials and certificates to be provided when handling:
4. Domestic residents need to provide: a completed and signed application form, identity certificate, residence certificate and income certificate;
5. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit;
6. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date shall also be provided.
7. If you want to apply for a large credit card, you need to provide a good proof of economic strength, such as a copy of the real estate license and a copy of the car driving license; Bank loan account (good credit, overdue for no more than 60 days) or copy of deposit certificate, etc.
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The advantages and disadvantages of China Merchants Bank's all-currency international credit card are as follows:
1. Advantages of China Merchants Bank's all-currency international credit card:
1, no additional conditions, free of annual fee for life;
2. All transactions (including credit card, online shopping and withdrawal) are simple and convenient, such as automatic purchase of foreign exchange, RMB entry and RMB repayment;
3. Reduce the currency exchange fee for cross-border transactions.
Second, the shortcomings of China Merchants Bank's all-currency international credit card:
1, Visa single channel, without UnionPay logo, can't use Alipay for repayment, and domestic non-Visa channel credit cards only support China Merchants Bank Pos machines;
2. Currency conversion is settled at the exchange rate of China Merchants Bank, which is on the high side;
3. China Merchants Bank has fewer credit card preferential activities and less preferential efforts.
References:
Baidu Encyclopedia-China Merchants Bank Credit Card
Is there an annual fee for China Merchants Bank's all-currency international credit card?
China Merchants Bank's all-currency international credit card is free of annual fee. China Merchants Bank's all-currency international credit card is the first chip credit card in China that meets the international EMV standard and has VISApayWave function. It is characterized by both the traditional magnetic stripe identification system and the highly integrated chip as the information carrier, which lays a solid foundation for the security and function expansion of credit cards.
In addition to all the financial functions of traditional magnetic stripe credit cards, China Merchants Bank's all-currency international credit card will provide cardholders with higher security, more functional services and richer user experience.
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Introduction of Six Functions of China Merchants Bank's Full Currency International Credit Card
(1) Free consumption worldwide 0 foreign exchange handling fee
No matter when, where and with what card customers spend or withdraw money, the foreign exchange handling fee of 1.5% is exempted, which makes customers' consumption more convenient.
(2) RMB can be repaid at will around the world.
No matter where customers trade with this card in the world, they can automatically purchase foreign exchange into RMB accounts, and customers only need to repay in RMB easily, so that customers can save the trouble of purchasing foreign exchange and travel more easily!
(3) VISA network covering the whole world, paying with peace of mind.
Customers can enjoy the quality credit card service provided by VISA, one of the largest card organizations in the world, with 36 million special merchants in more than 200 countries and regions overseas.
(4) Giving away high travel insurance.
Customers can get travel inconvenience insurance and aviation accident insurance of up to 2 million yuan for free as long as they buy their air tickets in full or pay 80% or more of the tour expenses without going through any formalities and paying any fees, thus providing customers with the best travel protection.
(5) There are no additional conditions for annual fee exemption within the validity period.
If you hold this card within the validity period of the card without any additional consumption conditions, you will be exempted from the annual credit card fee.
(6) Global emergency loss reporting, cash withdrawal and card replacement services.
For more credit card quality services and preferential contents, please visit the credit card website of China Merchants Bank or VisaSignature Chinese website.
China Merchants Bank's All-Currency International Credit Card-One Card Worldwide
China Merchants Bank Full Currency International Credit Card-Card Introduction
This is the launch of China Merchants Bank International Credit Card and the end of the annual fee of China Merchants Bank International Credit Card. I wonder if you have found the information you need?