How to apply for a credit card online
To apply for a credit card online, you can use the following methods:
1. Log in to the bank’s official credit card customer service center, click Apply for a credit card, and fill in the Personal information, just submit the application. For example: Open the official website of Bank of China, click Apply for a Credit Card Online in the Convenient Services column, select the required card type, click Apply Now, follow the prompts to enter information for personal identity verification, and submit the information.
2. Follow the WeChat official account of the bank’s credit card center and apply. For example: Follow the "Bank of China Credit Card" official account, click My Account - Card Application·Recommendation - Online Card Application | Self-service Quick Processing, select the appropriate card type, click Apply Now, and enter the relevant information.
3. Log in to mobile banking and apply. For example: Download and log in to China Merchants Bank's personal credit card software "Pocket Life", click Finance - Card Application, select the card type, fill in personal information, and apply.
Types of credit cards
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 a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards.
According to the different objects of issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.
Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards
Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits.
According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards
Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.
Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later.
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.
Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.
How to apply for a credit card online
If you meet the application conditions for a CMB credit card, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit.
If you are interested in a China Merchants Bank credit card and have never held a credit card from our bank, you can currently apply through the following channels:
1. Search and follow "China Merchants Bank" on WeChat official account "Credit Card", enter "Apply for Credit Card", enter the link to select your favorite card type, and fill in the appointment application information. The details can be verified by WeChat customer service;
2. Please log in to the credit card website and select "Apply for Card" "-"New Customer Application", select the corresponding card type and click "Apply Now", fill in the simple appointment information online and wait for the bank's review. If the review is passed, a specialist will come to serve you.
If you want to apply in this way, please first confirm whether our bank can provide free appointment door-to-door service in your area (the results will be displayed after selecting the province/city/district);
3. If applicable For the professional version of our bank, you can log in to the professional version (version 7.7.0), click "Credit Card→Customer Management→Online Application→Credit Card Quick Application" and then jump to the official credit card website page to apply;
4. In person Bring your original ID card, proof of employment, proof of financial resources and other materials to apply at a China Merchants Bank branch;
5. After logging in to mobile banking, click "My → All → Credit Card → Apply for Credit Card" to apply;
Warm reminder: Mobile banking is temporarily unable to select the card type. It is recommended to select the card type through the WeChat official account or official website.
6. You can call our credit card customer service hotline, select "3#-1-3" to transfer the service specialist to register for you, and notify our local staff to contact you to confirm the application.