The application for China Merchants Bank credit card does require an interview. This is a necessary step to ensure that the applicant is authentic, creditworthy and in compliance with bank regulations. There are two main methods of interview:

First, users can choose to have the staff come to the credit card department of the local branch of China Merchants Bank to handle the application. This method is more intuitive and safer.

Secondly, making an appointment online is also an option. Applicants can make an appointment to have bank professionals come to collect application materials. However, some conditions must be met to enjoy door-to-door services. For example, applicants must be domestic residents aged 18 to 60, have a stable career and income, and be located in an area within the door-to-door service range of China Merchants Bank. It is generally not recommended for current students to apply.

As for installment payment by credit card, China Merchants Bank provides several convenient methods. For example, when shopping in a mall, you can choose POS installment, but identity verification is required. 3 installments are usually free of charge, and the rates for 6 and 12 installments vary from bank to bank. There is usually no handling fee for mail-order installments, but because the order cycle is long, returns and exchanges are more cumbersome, so it is recommended to make a comparison before purchasing. Bill installment is the most common method of installment. Users can apply by phone after consumption and before the bill is sent. However, it should be noted that banks may not support installment for some high-risk transactions.

The above information comes from the official information of China Merchants Bank’s credit cards. It is recommended that you understand the relevant regulations and conditions in detail when applying for and using a credit card to ensure smooth application and management of the credit card.