Question 1: What is the difference between China Merchants Bank’s credit card and All-in-One Card? All-in-One Card is a bank card. You must deposit money into the account before you can use the card for consumption, cash withdrawal, etc. There is a card management fee, which is 1/yuan per month. There is no need to pay management fees for deposits of more than 10,000 or binding credit card repayments.

Credit cards are also overdraft cards, which means you don’t need to deposit money first when you make a purchase or withdraw cash. You can spend directly. A credit card means that the card holder has a credit problem between banks. A credit card can For overseas consumption, one card is not enough; credit cards have high annual fees, but now they can be reduced or reduced by using points on consumption or the number of times the card is swiped (this is different according to the regulations of each bank)

The conditions for applying for a credit card are that you need ID card, work permit, salary sheet, assets and other relevant certificates, all of which are indispensable before you can apply for a credit card; but the all-in-one card only requires your own ID card, and you can apply for it at that time It can be used and is very convenient; the one-card card has no expiration date, but credit cards can generally only be used for 3 to 10 years before a new card must be replaced. Credit card consumption has points, which can be exchanged for physical goods on bank-related pages. There are no consumption points with the card. Applying for the card depends on your personal situation

Every month, the credit card will have a settlement date and a repayment date. The settlement date means the total amount of your consumption this month, letting you know How much did you spend on your consumption? The repayment date is usually 10-25 days from the settlement date (bank repayments vary). On the repayment date, you must pay off all the money you consumed before the settlement date or the minimum payment. Please set the amount to avoid personal troubles such as bad credit and legal issues. Please use your credit card consumption according to your ability. If you don’t have money to repay, try not to overspend.

If you have any questions, please ask me.

Question 2: Is the China Merchants Bank All-in-One Card a credit card or a memory card? Hello, our All-in-one Card is a savings card (debit card).

If you have other questions, it is recommended that you consult "Online Customer Service" forum.cmbchina/...ncmu=0. Thank you for your attention and support!

Question 3: Is the CMB all-in-one card a bank card or a credit card? Is it the same as a regular debit card? China Merchants Bank All-in-one Card is a debit card, and a debit card is a bank card where you deposit money first and then spend money.

The functions of China Merchants Bank One Card are as follows:

1. One card allows multiple accounts to have various current and fixed savings accounts in RMB, US dollars, Hong Kong dollars, Japanese yen, euros and other currencies.

2. Deposits and withdrawals of various types of deposits and withdrawals can be handled at any branch of China Merchants Bank in the same city; deposits and withdrawals of RMB, Hong Kong dollar, and U.S. dollar current accounts can be handled at various branches across the country.

3. Automatic transfer of deposits. When there is a lump sum deposit and it expires, the bank will automatically transfer the deposit to the original deposit period with interest. Accept it

Question 4: How to bind China Merchants Bank All-in-One Card and credit card? ! Log in to credit card online banking 8008205555, click "System Login" to enter the ID number, query password and additional code to log in to online banking, then select "Automatic Repayment Settings" in the drop-down box of "Repayment Management" to set automatic repayment function. Let me explain to you: If you apply before 24:00 on the day before the due repayment date, the automatic repayment of the current period will take effect. Once it takes effect, the current account will be deducted from your all-in-one card. We would like to remind you that you can only link your own card, and the ID number and ID type of the card must be consistent with those of the credit card. At the same time, do not make any deposits to the credit card on the day of self-deduction to avoid repeated deductions.

Remember to adopt it

Question 5: Is there any difference between China Merchants Bank’s credit card linked card and credit card linked professional version? Hello, credit card linked card generally refers to activating automatic repayment function.

As for the professional version of credit card association, after linking the credit card to the professional version, you can check the credit card information through the professional version, or when making an online payment, select "Professional version payment" and then pay through the credit card.

If you have any other questions, you can also log in to the online customer service: forum.cmbchina/...ncmu=0. Thank you very much for your attention and support to our bank!

Question 6: Is China Merchants Bank All-in-One Card M Card a credit card? Hello, All-in-One Card M Card is a debit card, not a credit card. You can open an account at the counter after bringing your ID card, and a handling fee of 10 yuan is required.

If you still have questions and comments, please log in to the online customer service forum.cmbchina/...ncmu=0 for consultation. We will serve you wholeheartedly! Thank you for your attention and support to China Merchants Bank!

Question 7: What is the difference between China Merchants Bank’s all-in-one card M and credit card? Hello, M card is a debit card of our bank. The main differences between M card and existing all-in-one card are: (1) cool card surface design exclusive to fashionistas; (2) free passes if certain conditions are met - Free electronic bank transfer fees, free ATM inter-bank and off-site withdrawal fees, and reduced account management fees; (3) The card has a QR code, which can be scanned to check M card activities and discounts anytime and anywhere.

Account management fee: The charge standard for the account management fee of All-in-One Card M Card (including DS cross-selling M magnetic stripe card) is unified at 3 yuan/month (original general card discounts for head office and branch account management fees (The policy does not apply to the "All-in-One Card" M card). If it is not activated, the account management fee will not be charged and will be charged starting from the month after activation. (For example, if the card is opened in January and activated in March, no account management fees will be incurred from January to March, and account management fees will be charged starting from April.)

If any of the following conditions are met, it is sufficient Reduction of account management fees:

1. After opening the card, if the cardholder (under the same customer number) has an average daily asset of more than 1,000 yuan (inclusive) for various cards in the month, and handles any card swipe Consumption or online/mobile banking transfers, payments, and living expense transactions or credit card automatic repayments successfully linked (including linked personal credit card accounts, car purchase accounts, personal debt-bearing business cards) and automatic repayments or deductions occurred in the month Card transactions. (

Note: If the customer holds both gold and regular cards, the above-mentioned transactions with any card under the customer’s name can be exempted from the regular card account management fee.

2. Cardholder (Under the same customer number) The average daily assets of various types of card discounts in the month are more than 10,000 yuan (inclusive)

3. Contracted and opened salary accounts, pension accounts, subsistence allowance accounts, and medical insurance. Account management fees are waived for accounts, unemployment insurance accounts and housing provident fund accounts. Among them: the reduction and exemption for agency salary accounts is controlled by the system program (for account management that has incurred agency payment transactions through our bank's agency payment system within six months). Fees. For example: If one (or more) issuance transactions occurred from January to June 2010, the account management fees from January to June will be reduced, and so on), pension accounts, subsistence allowance accounts, and medical insurance accounts , unemployment insurance accounts, and housing provident fund accounts, the branch must enter the management information platform to manually set up a fee-free account

Other preferential fee policies:

1. The first three uses of the card. Monthly, online banking/mobile banking/Pad bank transfer fees are waived

2. In the first three months of card use, the first two domestic ATM withdrawal fees per month are waived, including non-local deposits and withdrawals. Handling fees and ATM inter-bank withdrawal (same-city/different-region) handling fees. Tips: If branches have different discounts based on voucher type, customer level or card BIN, the system will automatically reduce them according to the most favorable method.

3 , starting from the fourth month, if the cardholder (under the same customer number) maintains the average daily assets of all types of cards in the previous month at more than 1,000 yuan (inclusive), he can also enjoy the above two fee discounts.

If you have other questions, it is recommended that you consult "Customer Service Online" forum.cmbchina/...ncmu=0. Thank you for your attention and support!

Question 8: China Merchants Bank All-in-One Card and All-in-one Internet Access Hello, All-in-one Internet Access is the general name for our bank’s online business.

OneNet user is a new user model jointly launched by OneNet series of websites, communities and professional systems. With just one login name, you can browse various network resources of China Merchants Bank to achieve true one-stop access. Once a Netcom user is registered, he or she can use it in all systems of Netcom, including the public version of personal banking, mobile banking, credit card clubs, shopping malls, real estate malls, communities, etc. There is no need to register separately in each system again. A Netcom user is a comprehensive management account. If you have multiple cards and credit cards under your name, after applying for a Netcom user account, you can associate the cards and credit cards to the Netcom user account. In the future, you can manage the China Merchants Bank account under your name by logging in to your OneNet user account. You do not need to log in through your card number and password, which is more convenient.

Registration process: Please go to our bank’s homepage cmbchina and click “Personal Banking Public Edition” on the right side. There are 4 login types in the public version login interface, namely All-in-One Card/Passbook/Credit Card/All-in-one Netcom users, please You select "One Netcom User". You can register a "One Netcom User" account on this interface. After you successfully register to log in to this account, you can select "One Netcom User" - "Associated Card Management" - "Associated Card Management Home Page" in the upper right corner of the screen and follow the prompts. Link your card or credit card. After the association is successful, you can manage your cards uniformly by logging in to your "One Netcom User" account.

If you still have questions, please open the cmbchina homepage of China Merchants Bank and click "Online Customer Service" in the upper right corner to enter the consultation.

Question 9: Apply for a credit card with the China Merchants Bank All-in-One Gold Card. Hello, there is no rule that a credit card can be issued after holding the All-in-One Gold Card for three months, but the gold card can be used as proof of your financial resources to apply for a credit card. Credit card usage records and statements from other banks are helpful for applying for our credit card.

The most important conditions for applying for a credit card are that you are 18-60 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. If you can provide other financial documents, , which will help us better understand your personal situation and determine your credit limit. Detailed application information is as follows:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel are required to provide a copy of the military ID;

2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal), or the original has been verified by the promoter Copy of the work permit/plate with the mark;

3. Proof of financial resources: It can be a bank salary record, or income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments (such as real estate Certificate/car driving license/copy of bank deposit certificate) and other materials that can prove your financial level. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

During the initial review, the credit card limit is comprehensively assessed based on the information attached when you applied and your specific situation. Please refer to the review results for the specific limit. The credit limit (fixed limit) of our bank's credit card starts from ￥1,000 yuan or the equivalent in US dollars, and the upper limit is ￥50,000 yuan or the equivalent in US dollars. Under normal circumstances, the fixed limit range for regular cards is ￥1,000-￥10,000 yuan, and the fixed limit range for gold cards is ￥10,000-￥50,000 yuan. The limit of a platinum card is generally a fixed limit of RMB 50,000 plus a temporary limit that is automatically adjusted for you every month. At that time, you can use the combined limit of the two parts for swiping the card for consumption.

If you have other questions, please add QQ corporate customer service 4008205555 or look for the WeChat public account "China Merchants Bank Credit Card Center" and add it.

Question 10: What is the difference between China Merchants Bank All-in-one Card and All-in-One Card? All-in-One Card is a unique debit bank card of China Merchants Bank, and All-in-one Card is China Merchants Bank’s payment plan on the Internet. You can apply with All-in-One Card, which will give you a separate account (can be used with card binding) and password.

Currently, the online banking online payment platform supports China Merchants Bank’s All-in-One/Professional Edition/credit card online payment.

On the left side of China Merchants Bank’s online payment center, “Pay with ‘All-in-One Card’” refers to the professional version, and on the right “Use ‘Payment Card’ to pay” refers to All-in-One.

"Online Personal Banking (Professional Edition)" is a new online financial service function provided by China Merchants Bank for "One Net" customers. Its main functions include: online remittance, online transfer, online payment, account management, etc. For information other than online payment, please log on to the China Merchants Bank website (cmbchina). To use online personal banking (professional version), you must first download and install the client software and bring your valid ID and card to any CMB branch in your location to go through digital certificate identity verification and other procedures.

China Merchants Bank's "One Net" is a popular electronic banking service that China Merchants Bank provides to its customers through the Internet (Internet) or other public information networks. As long as you open an "All-in-one" RMB current account at China Merchants Bank and apply for the "online payment" function at any CMB outlet or branch where the "All-in-one" account is opened, you can enjoy the convenience and speed of the "online payment" function. Online payment services truly enable “online shopping without leaving home”. Customers can use it directly on the browser without installing additional software, making it easy and fast to use.