Does China Merchants Bank Credit Card require an interview?

An interview is required.

The interview at China Merchants Bank is relatively convenient. After applying for a credit card online, a local salesperson will contact the applicant to handle the application, eliminating the need to go to the bank and making it more convenient.

Except China Construction Bank, China Everbright Bank, and Citibank, almost all banks that apply for online credit card activation require the cardholder to bring their ID card to the card-issuing bank branch after receiving the credit card. Among them, China Guangfa Bank not only needs to bring the credit card, valid ID card and copy in person, but also needs to bring the "Card Collection Confirmation Letter" mailed with the card to complete the activation at the branch.

If the applicant already has a credit card from the issuing bank when applying online, or applies for a credit card through offline channels (fill in the application form at a bank outlet or the marketing department under the credit card center of the issuing bank and submit the application materials), get Activating the card after receiving it is much simpler and more convenient: you can activate it at the card-issuing bank branch, or you can complete the credit card activation through customer service phone, online banking, or WeChat official account.

If you apply for a China Merchants Bank credit card through the Internet, and the card applied for is the first card of China Merchants Bank, you must go to the bank counter for an interview. If the user is an old credit card customer of China Merchants Bank and has already opened a credit card account, no matter what channel he applies for the credit card, there is no need for an interview. After getting the card, the user can activate it himself.

Generally speaking, the credit card interview is to check whether the applicant is the applicant and that the application information is accurate, so that the user can activate the credit card during the interview

Note during the interview:

When applying for a credit card, the bank requires you to bring required documents, usually your ID card. If the bank also requires you to issue a work certificate and other documents, just prepare them in time; if you and the bank sign at a different location, it is best to prepare these documents in advance to avoid a second trip later.

The most important thing is that you must bring your own valid ID. It is recommended that cardholders wear formal attire. There is a reason for wearing formal attire, so as to leave a good impression on the bank reviewers, which will increase the success rate of the interview. Do not wear slippers, shorts, vests, etc., as your card may be declined by the bank.

Why do some online credit card applications require a salesperson to come to your door and some do not? Are there any banks that allow you to sign at the counter directly without visiting the door?

The reasons for failure to apply for a credit card are:

1. The applicant’s repayment ability is insufficient. The applicant’s insufficient repayment ability involves two aspects. One is the applicant’s income. High or low, if the applicant's income is too low and exceeds the bottom line of the credit card issuance limit, the bank will reject the application. The other aspect is whether the applicant's job is stable. Many applicants have a high income, but due to unstable sources of income, such as self-employed people, the bank will worry about the applicant's future repayment ability and may reject the application.

2. The applicant’s credit record is not good. The applicant’s credit record will also be an important reason why the credit card is not approved. No matter how high the applicant’s income is, how great his position is, or even his high assets, However, if the applicant's credit record is not good and there are many overdue records, then the bank will think that although the applicant has the ability to repay, there is a possibility of being a "laober", that is, he can repay the loan but does not. For banks, such cardholders are no more valuable than people who have no ability to repay, which will also result in the credit card not being approved.

3. The applicant does not have a card-issuing bank branch in the local area. Although the bank does not clearly state that applicants from certain areas cannot apply for a card when applying for a credit card, the bank will consider applicants who do not have a bank branch in the area when approving the credit card. The application information will be directly rejected.

4. Too many credit cards. If the applicant holds too many credit cards, the bank will look at the overall credit limit of the credit cards it currently holds compared with its income when evaluating whether to issue a card. , whether you still have the ability to repay the new credit card.

Which bank is the easiest to apply for a credit card and does not require an interview

If you meet the application conditions for a China Merchants Bank credit card, you can try to apply.

The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit. If you are interested in China Merchants Bank credit card and have never held a credit card from our bank, you can apply in the following 4 ways: 1. Please log in to the credit card website and select "Apply for Credit Card" - "New Customer Application"; 2. Please bring your Please go to any CMB branch in person to apply for the original identity certificate, work certificate and financial certificate document; 3. You can also call the customer service hotline, select "3#" in the voice to apply for credit card consultation, and then select "1" to transfer The service specialist will register you and notify our local staff to contact you to confirm your application. 4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version. Please note that the credit card status will be subject to the final review result.

That’s it for the introduction of credit cards that don’t require an interview.