Is China Merchants Bank's credit card easy to handle?

The difficulty of China Merchants Bank's credit card approval depends on the applicant's personal credit information, income level, guarantee, card type requirements, etc. If you are a newly graduated student or an applicant with a low income level, and want to apply for the gold card or platinum card of China Merchants Bank Credit Card directly, the pass rate will be relatively low.

The general card of China Merchants Bank is relatively easy to be approved, generally meeting the following requirements:

1. Natural persons aged 18-6;

2. Have a stable source of work and income, provide bank running records for nearly three months, and have no bad records in the bank credit information system.

In order to ensure the smooth approval of China Merchants Bank's credit card, we can pay attention to the following points:

1. Providing houses, vehicles and other assets as collateral can improve the pass rate;

2. Before applying for China Merchants Bank credit card, first select the appropriate credit card type to apply for according to the card type application requirements and personal actual situation;

3. After the application, you will receive a call for a return visit, and pay attention to the details, especially the contents of the return visit and the personal information filled in must be consistent and not inconsistent.

The application threshold of China Merchants Bank's credit card is relatively low. Just pay attention to the requirements and details, and there will be no great obstacles to the approval.

credit card products

according to different card issuers, they can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards

credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.

quasi-credit 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.

according to the different circulation scope of credit cards, they can be divided into international cards and regional cards

international cards. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards.

area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.

Is China Merchants Bank's credit card easy to handle?

Credit card application is easy to handle banks with high quota and low interest, and online credit card application is easy to handle:

If you want to find a bank with the best credit card, you can choose from private banks, local banks and their co-branded cards, which is also a common cognition.

in addition, the development of credit card business in different banks is different. Generally speaking, the number of credit cards is relatively large, so it can be considered that the threshold for application is relatively low and the probability of passing is relatively high.

When handling credit cards, many cardholders will not only look at the threshold for applying for a credit card, but also pay attention to the credit limit. After all, the larger the credit card limit, the more enjoyable it is to swipe the card, so many people want to handle a credit card with a good application amount.

meituan co-branded credit card

meituan co-branded credit card is a co-branded card jointly launched by banks and meituan. The credit limit of meituan co-branded credit card is generally 1,-5, yuan, and the maximum credit limit is 5, yuan. (

Meituan's joint credit card application

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Meituan has cooperated with many banks such as Guangzhou Bank, Jiangsu Bank, Xiamen Bank, Guilin Bank, Shanghai Bank and Qingdao Bank to launch joint credit cards. The number of cooperative regional banks reached 14.

cardholders can bind Meituan credit card to Meituan, and when spending money on Meituan, they can use Meituan credit card to pay and enjoy relevant preferential activities.

If you are a senior user of Meituan, you often order takeout and group purchases, and you have certain spending power. You have applied for other bank credit cards and used them normally, then the application for Meituan co-branded cards is basically approved every second.

meituan credit card can be used every day to deduct 6 yuan. Every day, a single takeaway can be deducted from 6 yuan, which can be reduced for 9 consecutive days. Movies are 5% off every month, and credit card spending points can be automatically converted into the change of Meituan according to the standards of 1 yuan /1 yuan, and cashed on the daily platform.

Bohai Bank Credit Card

The credit card limit of Bohai Bank is: 1,-1, ordinary cards; The gold card amount is 1,-5,; The amount of platinum card is more than 5 thousand. It should be noted that the approval of credit card application for credit line is determined according to the actual situation of the applicant, whether the job is stable or not, fixed income, etc. (

Bohai Bank Credit Card Application

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Its products mainly include standard cards, Bohai Bank 51 co-branded credit cards, travel theme cards, house card theme cards, family series theme cards and so on. Bohai Bank's 51 joint credit card is a UnionPay standard gold card, free of annual fee, with a maximum credit line of 1, yuan. The card does not have an interest-free repayment period, and it bears interest on a daily basis, and it can be repaid as it is borrowed, which flexibly meets the needs of cardholders, shopping and consumption.

Shanghai Pudong Development Bank Credit Card

The credit cards of Shanghai Pudong Development Bank are divided into general card, gold card and platinum card according to the card grade. Generally, the general credit card is between 3, and 5, yuan, the gold card is between 1, and 5, yuan, and the platinum card is above 5, yuan. (

Shanghai Pudong Development Bank credit card application

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The credit line of Shanghai Pudong Development Bank credit card is the credit line given by the applicant through various evaluations, including: work, credit history, education level and asset status. The better the evaluation item, the higher the credit card limit.

hengfeng bank Credit Card

The credit card limit in hengfeng bank is generally: the credit card limit is between 3, yuan and 1, yuan. The amount of gold card: 5 -3 yuan. The amount of platinum card: between 1, yuan and 5, yuan. (

hengfeng bank Credit Card Application

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This paper mainly talks about hengfeng bank Star Platinum Credit Card, which is a credit card with family as the main body. With this card, it can provide cardholders and their families with a variety of rich rights and interests, such as comprehensive aviation security, private health butler for families, triple points on Wednesday, cash back of exclusive points, and platinum courtesy of UnionPay.

In terms of travel, Star Platinum Credit Card is also quite distinctive. With this card, cardholders and their families can enjoy global flight delay insurance in 3 yuan and air checked baggage delay insurance in 8 yuan for a single delay of 2 hours.

Is China Merchants Bank's credit card easy to approve?

At present, China Merchants Bank's credit card processing conditions are still very simple, mainly because the age and work meet the requirements. These are the conditions for new customers of China Merchants Bank to apply for a card and the materials they should bring:

Conditions: the applicant should be 18-6 years old (foreigners are 25-6 years old), have certain economic ability and have a good credit record.

information: a copy of China Merchants Bank's credit card application and ID card (foreigners: passport and residence permit or employment permit; Taiwanese: Taiwanese certificate and employment certificate; People from Hong Kong and Macao: Home Visit Permit and Employment Permit/Residence Permit) and work certification documents issued by the unit.

It is helpful to improve the credit limit by providing the following information, such as: a copy of the running list of China Merchants Bank's savings account in the last three months; Original proof of asset balance of wealth management account opened by China Merchants Bank; A copy of the property ownership certificate (including my name), and a copy of any water, electricity and coal invoice documents of the property in the last 3 months; Copy of my car driving license.

Several tips for successfully applying for a credit card:

1. Annual income: an important criterion, and the annual income can't be directly inquired by the bank except issuing an income certificate. When issuing a salary certificate, you can ask the supervisor to raise the salary appropriately, of course, not too high.

2. Position: The position in the company directly affects the successful application of credit cards, and managers will generally apply more easily than ordinary employees.

3. Housing: It is easier to successfully apply for owning your own house than living with your parents, or renting a house and a dormitory. If you have real estate under your name, you must upload relevant certificates.

Is China Merchants Bank's credit card easy to pass?

Comparatively speaking, China Merchants Bank's credit card is relatively easy to pass. Anyone who has reached the age of 18 and has a fixed income can apply for a CMB credit card. As long as it meets the requirements of China Merchants Bank's credit card application, there is no problem in general. As long as there is no problem with personal credit, the audit of China Merchants Bank is easy to pass.

To some extent, the credit card processing threshold of commercial banks is relatively low, including China Merchants Bank. As long as users' personal qualifications are not particularly bad, they can basically apply for a credit card from China Merchants Bank.

As for how much credit line you can get, you can further submit materials that can prove your income level, so that the bank thinks that you have strong repayment ability. Get a higher quota in this way.

One of the activities that impressed me the most was the exchange of Starbucks. Whenever you use China Merchants Bank's credit card, you will get the same percentage of credit card points.

Credit card points of China Merchants Bank are mainly used for daily consumption. You can exchange them for Starbucks drinks or household appliances. Generally speaking, China Merchants Bank credit card is more suitable for users.

China Merchants Bank was established in Shekou, Shenzhen in 1987. It is a subsidiary of China Merchants Group, the first joint-stock commercial bank wholly owned by an enterprise legal person in China, and the fifth largest bank in China.

Of course, the popularity of credit cards is mainly due to the fact that the concept of advanced consumption has been deeply rooted in people's hearts. Many people apply for credit cards, not for emergencies, but for the habit of advanced consumption. Using credit cards can make their lives more colorful.

After all, we have savings in our hands, and we can take them out in case of an emergency. But now people's consumption concept has changed very rapidly, and consumption in advance has become the mainstream of the times.

Is China Merchants Credit Card easy to approve? What is the general amount?

China Merchants Credit Card is a relatively easy one to handle. The amount of credit card is related to the type of credit card, and it will increase with the increase of credit card grade, ranging from 1 to 5.

Although it is convenient for China Merchants Bank to handle credit cards, it also requires the handlers to meet certain conditions.

1. The age requirement must be adults over 18 years old, because only adults can work and have certain repayment ability;

2. If you want to have a stable job or a stable economic income, you can pay off the monthly arrears on time;

3. You should have a good credit rating in your personal credit record.

On December 3, 22, China Merchants Bank officially issued the first international standard dual-currency credit card in China, which opened a new era of credit card consumption for Chinese people. After more than ten years of struggle and growth, China Merchants Bank Credit Card has formed three visions of "being the best payment experience provider in China, the best consumer finance expert in China, and the leading diversified marketing platform in China", and has also won many honors.

adhering to the business philosophy of "it changes with you", China Merchants Bank's credit card constantly refreshes the cardholder's experience by virtue of product innovation and service upgrade, making it a leading brand in the credit card industry.

In recent years, China Merchants Bank has actively sought digital transformation of credit cards, forged ahead, set a precedent in the construction of financial Internet, and created a technological legend in the domestic credit card industry.

Application method

Store handling; The staff of the credit card department of the local branch of China Merchants Bank came to the door to handle the card; Make an appointment online and pick it up at home.

online booking application qualification: the application conditions for "easy booking and door-to-door card handling" include but are not limited to the following three points, and whether or not the door-to-door card handling conditions are finally met

is still subject to the review of China Merchants Bank Credit Card Center.

① People in China (please provide ID number): 18 to 6 years old;

② Have a stable occupation and income, good credit and the ability to repay the interest on time; (Students are not allowed to apply)

③ The area is in line with the door-to-door collection service of China Merchants Bank Credit Card Center. See the online information filling page for details.

New households apply for gifts and recommend card gifts:

1. During different activities, new households who handle different cards will have different gifts or points.

2. Recommend friends to apply for cards or apply for supplementary cards for relatives, and there may be corresponding gifts.

application materials

1. identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and the soldiers need to provide a copy of the military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit \ card verified by the promoter and marked;

3. proof of financial resources: it can be the payroll record issued by the bank, or the income tax withholding certificate, or the documents proving the market value of the house, car, deposit and investment (such as the copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your financial level.

4. Other documents for reference include: personal account list of social insurance in recent 6 months.