customers can directly call China Merchants Bank's credit card service hotline at 4-82-5555, and
through the manual service channel, contact the staff of China Merchants Bank to apply for issuing a credit card settlement certificate (the working hours of manual customer service are from 9: to 12: every Monday to Friday and from 13: to 17: 3).
after verifying that the customer's identity information is correct, the staff of China Merchants Bank will help to issue the settlement certificate, and then send the credit card settlement certificate to the customer by registered mail (fax is required if necessary).
If customers live in a business outlet of China Merchants Bank nearby, they can also directly bring their personal ID card and China Merchants Bank credit card to the counter of China Merchants Bank business outlet to ask the staff to apply for a credit card settlement certificate.
too many credit card applications will inevitably have an impact on credit reporting, which is mainly reflected in two aspects:
1. Many credit card approval records make credit reporting difficult. Every time you apply for a credit card, no matter whether it is successful or not, you can see a query record of credit card approval. You can infer the time of each credit card application from the query time and the query institution. For example, if multiple query records are concentrated in the same time period, the credit information will be spent, which will make the bank think that the applicant is in poor economic condition, in urgent need of capital turnover, and there is a high risk of borrowing, which is not conducive to credit card approval.
2. Multi-head credit is easy to cause higher liabilities. If the credit card is approved, it will also lead to multi-head credit extension due to more applications. For example, if there are credit card account opening records of more than three banks on the credit information, it is a multi-head credit extension, which is not conducive to subsequent loan application. In particular, many bank credit cards are overdrawn and there are large installments, which will increase the applicant's debt and then affect the judgment of the applicant's repayment ability, which has great overdue risk.
credit card and debit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.
Credit card processing needs to meet the following conditions:
1. First, citizens over the age of 18 with civil capacity are required.
2. A stable income is required, and proof of income is provided, which proves the repayment ability and is used for reference in setting the credit card limit. If you have successfully applied for a credit card, you can apply for a card with a card, and the process will be much easier.
3. Personal credit information should be good, with no bad records.
4. Whether you can successfully apply for a credit card is also related to your occupation, such as security guard, self-employed, farmer and so on. However, Xiao Bian learned that some banks have launched "Huimin cards" for farmers.
generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card business specifically for college students. This is unconditional credit card processing, and college students only need to bring their personal documents and student ID cards to the bank for processing.
6. To receive a card in the name of an individual, people from other places and overseas and officers in active service should present a temporary account issued by the local public security department or a certificate issued by the relevant department, and must provide a guarantee unit with guarantee conditions or a guarantor with a local account and working in the local area.