Generally, if a credit card is overdue for more than 3 months, the legal department of the general bank will start to intervene and require you to repay the loan. If the bank fails to negotiate with you, it will become a bad debt. Records will be available for five years. Therefore, our credit cards still need to be repaid on time to avoid a certain impact on our credit.

Chinese Merchants Bank Credit Card Application:

To apply for the main credit card of China Merchants Bank, you need to be aged 18-60 years old (overseas residents are 25-60 years old), have certain financial ability and good credit record, and submit your identity Certificate, work certificate, financial certificate and other documents.

If you need to apply for a China Merchants Bank credit card, you can currently apply through the following channels:

1. Search and follow "China Merchants Bank Credit Card" on the WeChat official account and enter "Apply for Credit Card" , enter the link to select your favorite card type, and fill in the appointment application information. Details can be verified by entering WeChat manual customer service;

2. Log in to the credit card website and select "Apply for Card" - "New Customer Application" and select After corresponding to the card type, click "Apply Now", fill in the simple reservation information online and wait for the bank's review. If approved, 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. Download Mobile Life After entering the client, the new user selects "My → I want to apply for a card". To apply for an additional credit card, select "Finance→Card Manager→New Card Listing→Card Family Portrait" to apply.

4. I bring my original ID card, proof of employment and financial resources and other materials to apply at a China Merchants Bank branch;

5. After logging into mobile banking, click "My → All → Credit Cards" →Apply for a credit card" application;

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 also 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.

7. If you apply 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 Apply;

Warm reminder: The issuance of credit card is subject to the final review result.

Note: 1. Credit cards do not distinguish between local or remote locations, and the review results are subject to the credit card center.

2. If there is no door-to-door service in your area, you can bring the application materials to any local CMB branch to apply.