China Merchants Bank credit card is better, which mainly has the following advantages:

1, fast card processing and high quota. (Jingxiang said card A) The maximum amount of credit card gold card can reach 50,000 yuan, and the annual fee is free in the first year. If the cardholder swipes the card for a specified number of times, the annual fee for the second year may be exempted. If the new household meets the standard, users can also get gifts, and credit card points can also be exchanged for Starbucks and video members.

There are many kinds of credit cards in China Merchants Bank. According to the consumption needs of different types of users, China Merchants Bank has launched various types of credit cards, including standard credit cards, high-end credit cards, featured theme credit cards and fashionable credit cards.

3. Provide 35% discount on food, 9 yuan movie viewing and 10 yuan storm;

4. Borrow cash in advance and take it with you everywhere. It also provides various services such as bill installment and e-loan installment;

5. Provide five-fold security.

How about China Merchants Bank credit card?

Advantages of China Merchants Bank Credit Card:

The bid threshold is extremely low, and the points are permanently valid. ※:

There are many special businesses. ※:

※ Joint cardo※:

※ Online banking is powerful, easy to operate and supports Alipay;

There are often value-added group purchases, with many activities and many tricks. ※:

※ The one-card function is easy to use;

All cards are combined into one bill (convenient for repayment). ※:

There are many kinds of cards with exquisite design. ※:

There is a 48-hour "lost card guarantee". ※:

800 is easy to connect and the service is good. ※:

Shopping by stages is convenient, and there is no quota by stages. ※:

There are bills in installments. ※:

The success rate of swiping cards is high. ※.

Disadvantages of China Merchants Bank Credit Card:

The integral policy is not ideal (20 yuan gets one point, which is not zero). ※:

There is no SMS prompt for small consumption. ※:

※ All cards are combined into one bill (inflexible);

Online payment limit is too low to calculate points. ※.

China Merchants Bank Credit Card is suitable for friends who pay more attention to service than points. Every time the quota is raised, it is active. China Merchants Bank's credit card has no password. Although the quota is high, it also has risks.

How about China Merchants Bank credit card?

China Merchants Bank's credit card can be used for credit card consumption or online payment, with a wide range of payment. Most online shopping websites support China Merchants Bank credit card, which is convenient to use. China Merchants Bank's credit card application threshold is relatively low, and the points are permanently valid.

China Merchants Bank credit card can be used for installment payment, credit card points, accumulated credit, up to 50 days interest-free period, etc. Different credit cards will launch different offers and promotions from time to time.

Except for high-end credit cards such as platinum cards, the basic conditions for issuing credit cards of different China Merchants Bank are the same, that is, the applicant must have certain economic ability and no bad credit record.

Extended data:

Measures for the supervision and administration of credit card business of commercial banks Article 41 The issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's effective identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.

Article 42 The issuing bank shall determine the required (optional) elements of credit card application materials according to the requirements of comprehensive risk management, and shall not issue credit cards if the required information or options are omitted, others act as agents (except for business travel cards and business shopping cards handled by the unit and supplementary cards handled by the main cardholder), others sign on their behalf, and the application materials are unsigned.

If there is suspicious information in the credit card application materials, the audit opinions are missing, the auditors at all levels have not signed (signed, entered the work code) or the system audit records are missing, the credit card may not be issued.

Advantages and disadvantages of China Merchants Bank's credit card

Advantages of China Merchants Bank Credit Card:

1, the bid threshold is extremely low, and the points are permanently valid; There are many special businesses; Joint Katdo

2. Online banking is powerful and easy to operate, supporting Alipay;

3. There are often value-for-money group purchases, with many activities and many tricks;

4, the card function is good, and all aspects of financial management are good;

5. All cards are combined into one bill (easy to repay);

6. There are many kinds of cards with exquisite designs;

7. There is a 48-hour "lost card guarantee"; 800 easy to pick up, good service;

8. It is convenient to shop by stages, and the number of places is not occupied by stages;

9. There are bills in installments;

10, and the card swiping success rate is high.

Disadvantages of China Merchants Bank Credit Card:

1, the interest-free period is the shortest among all issuers, with the shortest 18 days;

2. The integral policy is inhuman (20 yuan gets one point, not zero);

3. There is no SMS prompt for small consumption;

4. All cards are combined into one bill (inflexible);

5. The online payment limit is too low, so points are not calculated.

Summary: China Merchants Bank credit card combines the security of big banks with the services of small banks, and is an essential choice for card users. The premise is that you don't value points. I hope that China Merchants Bank credit card holders can refer to the above knowledge and make good use of China Merchants Bank credit cards to foster strengths and avoid weaknesses!

Extended data:

Credit card raising skills:

1, the number of swipes per card is more than 5 times a week and more than 20 times a month. Reasonable monthly increase, 25-30 strokes per month is the best.

2. The credit card limit should be combined with large consumption. If it is trivial and small consumption, the bank will not treat you as a quality customer, and there are often large consumption to prove your consumption level.

3. It is forbidden to empty the quota in a large number of integers as soon as the account is issued. Basically, it was hollowed out at this time and immediately controlled by the bank. And after March, the risk control is getting stricter and stricter, so don't die.

4. It is best not to spend more than 50% of the total card amount at one time. Of course, if the amount is low, even if it is real consumption, it is best not to concentrate on brushing.

5. One card per day 1-2 is the best. Brush the same card at least 3 hours apart. Brush different cards at intervals of more than 5 minutes.

6. It is forbidden for anyone to check the balance on the POS machine before swiping the card. This is a proposition.

7. Don't always use 0, 6, 8, 9 as the mantissa. Don't use the same last three digits, such as 5222 and 8000.

8. Occasionally installment, especially when the bank calls installment, is basically to spend money to buy a quota. If you want the quota, you must agree to the installment, and you can try to divide it into small and short-term ones.

9. Try not to leave empty cards, leaving about 10%-20%. Some commercial banks have low quotas, which can be increased by credit explosion, but it is best to consume with real quality.

10, try to swipe your card after 9: 00 am and before 10 pm, and try not to swipe your card at other times.

1 1. If you fail to swipe your card once, don't try to swipe your card with a low amount again. Even if it is successful, the risk is too great. We should grasp the remaining credit of the card in real time.

12, card use time, card holding time more than half a year, and monthly transaction volume, timely repayment, the basic withdrawal success rate is high. Generally, you can apply for the first mention after half a year, and then every three months, so you must take the initiative to apply.

13, foreign consumption is very helpful to increase the amount. If you can go abroad or go shopping with friends, classmates and colleagues, you must bring your credit card and brush it hard. Moreover, there are too many overseas activities, and all kinds of cashback double points, so it is easy to swipe your card again.

14. If you are eligible to apply for temporary quota, you can use temporary quota. Except for the four major banks, the general temporary quota is relatively easy to fix. Of course, remember the provisional quota rules and don't be trapped.

15, if you have spare money, make a deposit in the bank or something, commonly known as moving bricks, which is the best way to withdraw the amount.

16, I have done a lot, but I can't get the amount. It's time to try the freezing method, stop using it completely, or pretend to cancel the card.

How about China Merchants Bank's credit card? This is the end of the good introduction about which credit card to use China Merchants Bank. I wonder if you found the information you need from it?