The application conditions for a credit card gold card mainly include the following points.
1 The applicant shall be a natural person aged 18-60 with full civil capacity;
The applicant has a stable income and the ability to repay the loan;
The applicant's personal credit information is good, and there is no bad record such as overdue.
The higher the credit card level, the higher the credit limit, and you can enjoy more services. The credit cards launched by China Merchants Bank are divided into ordinary cards, gold cards and platinum cards, so you want to have the gold card of China Merchants Bank.
There are five major credit card brands in the world, namely VISAInternational and MasterCardInternational, and five professional credit card companies, namely AmericaExpress, DinersClub and JCB Japan International Credit Card Company. There are also some regional credit card organizations in various regions, such as EUROPAY in Europe, UnionPay in China, and the United Credit Card Center in Taiwan Province Province.
China UnionPay is a joint-stock financial service institution established by more than 80 domestic financial institutions with the approval of the People's Bank of China, with a registered capital of 654.38+65 million yuan. The company was established on March 26th, 2002, and its headquarters is located in Shanghai.
Repay arrears
In Hong Kong, credit card holders usually receive monthly statements every month. If the credit card holder uses the credit card to spend money in the current month, he/she needs to pay the minimum repayment amount on the monthly statement before the final repayment period on the monthly statement. Otherwise, the card issuing company has the right to collect interest and administrative fees, or hire a debt collection company/credit center to collect money.
In Chinese mainland, there are corresponding consulting companies for credit card repayment, which can provide certain repayment strategies for cardholders, so that cardholders can get more intimate financial services by using credit cards.
Visa is one of the most famous payment brands in the world. Visa cooperates with Visa merchants, ATMs and member financial institutions around the world to make this dream come true.
Visa global electronic payment network-VisaNet-is the most extensive, powerful and advanced consumer payment processing system in the world, and keeps fulfilling its promise to globalize your Visa cartoon series. More than 20 million merchants around the world accept Visa cards, and there are more than 840,000 ATMs around the world. Therefore, Visa's global network allows you to use your Visa card conveniently no matter where you are.
Visa International itself does not issue cards directly. In the Asia-Pacific region, Visa International has more than 700 member financial institutions and issues various Visa payment instruments, including credit cards, debit cards, corporate cards, business cards and purchasing cards. These products can make you feel safe, convenient and reliable when you consume.
Visa has set up representative offices in Beijing and Shanghai 1993 and 1996 respectively. Visa has 17 Chinese-funded member financial institutions and 5 foreign-funded member banks in China, including UnionPay. By the end of March 2005, Visa had issued about 5.4 million Visa cards in Chinese mainland, which were used by 65,438+07,000 ATMs, and the transaction volume of Visa in Chinese mainland reached 3.2 billion US dollars.
The application conditions of China Merchants Bank credit card gold card must be based on the introduction of gold card.
Banks have different card grades according to people's income level, generally including: Puka, Gold Card, Platinum Card, Diamond Card and Unlimited Card. As a high-end credit card, not everyone can apply. If you want a high credit card and don't want to be rejected by the bank, applying for a gold card may be a compromise. Today, I will introduce the application conditions of China Merchants Bank's credit card gold card to see if you are suitable for application.
Applicants who meet any of the following conditions can apply for China Merchants Bank Credit Card Gold Card:
1, China residents aged between 18 and 60, with full capacity for civil conduct and good credit standing, foreigners with full capacity for civil conduct and people from Hong Kong, Macao and Taiwan with full capacity for civil conduct can apply to the card issuer for a personal card master card.
Providing proof of stable work, income or other sources of income can add points to the application and improve the success rate of card application.
2. The applicant has an average monthly income of more than 4,000 yuan, a good comprehensive credit status and no bad credit record; The accumulated spending amount of China Merchants Bank credit card holders in recent 1 year reaches RMB 1 000 or equivalent foreign currency, excluding occasional large-scale spending such as car purchase, production and business consumption, and customers who have spent 6 times in recent 1 year can apply for China Merchants Bank credit card gold card.
If you meet one of the above conditions for applying for the CMB credit card gold card, friends who want to apply can click on the exclusive application channel. There are all the gold cards of China Merchants Bank, so choose the one that suits you.
Practical! What are the application conditions for China Merchants Bank's credit card gold card?
As we all know, the credit card quota is relatively low, so many people focus on the gold card, so the quota will be much higher, but the same application conditions are different from ordinary cards. Today, taking China Merchants Bank as an example, let's talk about the application conditions of China Merchants Bank credit card gold card.
I. Application Conditions for Credit Card Gold Card of China Merchants Bank
1, age 18, with full capacity for civil conduct and good credit standing;
2. The average monthly income of the applicant is above 4,000 yuan or equivalent foreign currency;
3. Customers whose credit card holders of China Merchants Bank have spent RMB 65,438+00,000 or equivalent in foreign currency in the last 65,438+0 years (excluding occasional large-scale consumption such as car purchase or production and operation consumption) and spent 6 times in the last 65,438+0 years.
Second, China Merchants Bank credit card gold card application materials
1, the applicant has an ID card and a copy of the front and back;
2. Work certification materials, including but not limited to: copy of work permit, original work certificate issued by work unit, copy of professional title, copy of professional qualification certificate, etc. ;
3. Personal financial proof, including but not limited to: payroll records issued by banks, income certificates issued by units, income tax withholding certificates, self-owned real estate licenses, etc.
There are so many conditions for China Merchants Bank to apply for a credit card gold card.
What are the application conditions for China Merchants Bank's credit card gold card?
1. The conditions for handling the credit card gold card of China Merchants Bank are as follows: the applicant's monthly income is 4,000 yuan or above; The comprehensive credit status is good, and there is no bad credit record; Credit card holders of China Merchants Bank have spent RMB 6,543.8+0,000 or equivalent foreign currency in the past 654.38+0 years (excluding occasional large-scale consumption such as car purchase or production and operation consumption), and customers who have spent six times in the past 654.38+0 years. Meet one of the above conditions.
2. Many people want to apply for the credit card of China Merchants Bank. The application conditions are as follows:
1) 18 China residents with full civil capacity and good credit standing, foreigners with full civil capacity and people from Hong Kong, Macao and Taiwan with full civil capacity can apply to the card issuer for personal credit card master card with their valid identity documents.
2) The cardholder of the main card can also apply for a supplementary card for a specific natural person with full civil capacity or a natural person with civil capacity, and the application materials of this card must be confirmed by the cardholder of the main card personally signing the electronic signature of the customer service telephone recording or by the way recognized by both the cardholder and the issuing bank.
3) The applicant has an average monthly income of more than 4,000 yuan, a good comprehensive credit status and no bad credit record; 4) Customers whose credit card holders of China Merchants Bank have spent RMB 65,438+00,000 or equivalent foreign currency in the last 65,438+0 years (excluding occasional large-scale consumption such as car purchase, house purchase or production and operation consumption) and have spent 6 times in the last 65,438+0 years.
You only need to meet one of the above conditions to apply for the credit card of China Merchants Bank. Finally, Bian Xiao reminds you that if you want to apply for a CMB credit card gold card, you may wish to call CMB credit card customer service in advance to inquire about the specific application conditions of CMB credit card gold card, what information you need to provide to apply for CMB credit card gold card, and so on.
1. The detailed application materials for applying for a credit card are as follows:
1) identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back). Soldiers need to provide a copy of their own military ID card;
2) Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;
3) Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the property ownership certificate/car driving license/bank time deposit certificate) and other materials that can prove your financial level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.
What are the requirements for applying for the standard gold card of China Merchants Bank?
China Merchants Bank credit card gold card processing conditions:
1. The applicant's average monthly income is above 4,000 yuan or equivalent in foreign currency, with good comprehensive credit status and no bad credit record;
2. Customers whose credit card holders of China Merchants Bank have spent RMB 65,438+00,000 or equivalent in foreign currency in the last 65,438+0 years (excluding occasional large-scale consumption such as car purchase or production and operation consumption) and spent 6 times in the last 65,438+0 years.
To apply for China Merchants Bank Gold Card, you only need to meet one of the above conditions.
The difference between ordinary card and gold card of China Merchants Bank;
1, and the ordinary card amount is 3000 yuan to 10000 yuan; Gold card 10000 yuan to 50000 yuan;
2. Ordinary cards enjoy preferential treatment in special merchants; There is no discount for gold cards;
3. Gold card customers' credit card consumption mode is set to consumption by signature. 48 hours before the loss of the credit card was reported by the customer, the loss of the stolen credit card was paid by China Merchants Bank, with an annual cumulative amount of 6,543,800 yuan+0.5 million yuan; Ordinary cards total 1 0,000 yuan.
Extended data
Chapter 6 of the Credit Card Charter of China Merchants Bank (Ninth Edition), the rights and obligations of the applicant and the cardholder:
Article 37 The rights of the applicant and the cardholder:
1. Cardholders have the right to enjoy the services promised by the credit card issuer, to supervise the service quality of the credit card issuer, and to complain about the services that do not meet the promises.
2. Applicants and cardholders have the right to know the functions, usage methods, charging items, charging standards, applicable interest rates and related calculation formulas of credit cards.
3. The cardholder has the right to obtain the statement of the last 12 months from the card issuer free of charge, except for the specific statement customized by some cardholders.
4. Within the time limit stipulated by laws, regulations and payment and clearing organizations, the cardholder has the right to apply to the card issuer for assistance in obtaining a copy of the purchase order. If the investigation results prove that the transaction is indeed done by the cardholder, the relevant expenses shall be borne by the cardholder.
5. After the loss report takes effect, the cardholder will not bear the economic losses caused by fraudulent use or misappropriation of his credit card, but all the consequences caused by the state organs deducting the funds in the credit card under the cardholder's name according to law will be borne by the cardholder.
Article 38 Obligations of the applicant and the cardholder:
1. The applicant shall provide accurate, complete, true and effective information to the card issuer. Application materials without name or identity information are invalid. If the card issuer deems it necessary, the applicant shall provide the qualified letter of guarantee and other relevant materials to the card issuer.
2. The cardholder and guarantor change their work unit, mailing address, telephone number, e-mail, identity information, organization name, etc. , you should go to the card issuer or contact the card issuer in time to handle the information change procedures. Otherwise, the losses caused thereby shall be borne by the cardholder.
3. Cardholders should properly keep their credit cards, expiration dates, digital information in the signature column on the back of the cards, and other card information, passwords, SMS verification codes, etc. If the credit card, related card information, password or SMS verification code are improperly kept, the cardholder shall bear the losses.
4. The cardholder shall repay the overdraft principal, interest, annual fee, handling fee and other expenses on time as agreed in the contract with the card issuer, and bear the liquidated damages as agreed, and shall not refuse to pay the money owed to the card issuer on the grounds of cooperation with merchants or other third parties.
If the credit card documents are incorrect or incomplete, but it is confirmed that the transaction exists and the amount is correct, the cardholder shall not refuse to pay the transaction amount.
5. After using the card, the cardholder shall properly keep the transaction voucher to prevent the card information from being stolen by others. Cardholders should pay attention to checking the statement. If you fail to receive the statement on time, you should take the initiative to check with the card issuer in time.
6. For credit cards that support electronic cash account, electronic cash account transactions are not included in the report, but the credit card account is recharged to the electronic cash account, and the electronic cash account receives the balance from the credit card account. The cardholder shall not refuse to pay the arrears (including the corresponding fees and interests, etc.) to the card issuer. The reason is that he hasn't received the bill yet.
7. If the card issuer increases the credit limit of its account due to the cardholder's good transaction and repayment records, and the cardholder is unwilling to increase the credit limit of the account, it shall request the card issuer to restore the credit limit of its original account through the online banking, mobile banking or customer service hotline of the card issuer within 10 natural days, otherwise it shall be deemed as the cardholder's commitment.
8. Whether the cardholder accepts the adjustment of the credit limit of his account by the card issuer or not, the cardholder shall be liable for paying off the debts that have occurred.
9. The cardholder shall keep the card properly. Once the card is lost, it should be reported to the card issuer through online banking, mobile banking, official credit card client pocket life or customer service hotline in time; The credit card is only for the cardholder's own use, and all consequences arising from renting, transferring or lending the credit card shall be borne by the cardholder himself.
10. In order to prevent risks and protect the interests of card issuers and cardholders, cardholders should cooperate with card issuers and special merchants to complete risk prevention operations.