1. Please log on to the credit card website/,select "Credit Card Application"-"New Customer Application Channel", fill in the simple reservation information online and wait for the bank's approval. If approved, a Commissioner will come to serve you. If you want to handle the transaction in this way, please confirm your region first, and whether our bank can provide free reservation service (the result will be displayed after selecting the province/city/region);
2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person.
3. You can also call the customer service hotline 4008205555, select "3#" in the voice for credit card application consultation, and then select "1" to transfer the service specialist to register for you, and inform our local staff to contact you to confirm the application. Remind you that the issuance of credit cards is subject to the final audit results.
Judging from the consumption pattern, at present, the Bank has a shopping stage at the time of consumption and a billing stage after consumption:
1. installment shopping: through our special merchants, we choose to purchase the specified goods or services in installments. For the specific charging standard of installment payment and the merchants who can handle it, you can log on to our credit card website/click "Financing Installment"-"Installment Shopping" to inquire;
2. Bill installment (cardholders who only hold business cards or supplementary cards can't apply for it for the time being): If the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill in monthly installments. For details, please log on to the credit card website/click "Financing Staging"-"Billing Staging" to inquire.
If you can't pay in full by the repayment date, you can pay in full, but the repayment amount of each installment must be greater than the "minimum repayment amount", which is the basic repayment requirement for you to maintain a good credit record. Minimum repayment amount = 10% advance cash principal+10% non-advance cash transaction principal+100% expense+100% interest+100% excess consumption+100. If "minimum repayment amount" is selected, you cannot enjoy the interest-free repayment period. From the bookkeeping date (usually the day after consumption), interest will be charged on all consumption in the current period, with a daily interest rate of 0.5 ‰ until you pay it off in full. If all the payable amount of this period is paid off before the due repayment date, you can enjoy the interest-free period of consumption. You can choose the repayment method according to the specific situation.
As long as you pay the minimum amount of the bill before the due date, there will be no late payment fee, personal credit will not be affected, but there will be cyclic interest. All consumption in the current period starts to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until you pay it off in full.
If in doubt, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.