Is it easy to get a China Merchants Bank credit card?

Comparatively speaking, it is relatively easy to get a China Merchants Bank credit card. Anyone who is over 18 years old and has a fixed income can apply for a CMB credit card. As long as it meets the application requirements for China Merchants Bank's credit card, there is generally no problem with the application. As long as there is no problem with your personal credit, it is easy to pass the review by China Merchants Bank.

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

As for how much credit you can get, you can further submit materials that prove your income level to make the bank think you have strong enough repayment ability. This way you can get a higher limit.

One of the activities that impressed me the most was the activity about redeeming Starbucks. Whenever you use a China Merchants Bank credit card, you will get the same proportion of credit card points.

Chinese Merchants Bank’s credit card points are mainly used for daily consumption. You can exchange the points for Starbucks drinks or household appliances. In general, China Merchants Bank credit card is more suitable for users to apply for.

China Merchants Bank was established in Shekou, Shenzhen in 1987. It is a subsidiary of China Merchants Group. It is the first joint-stock commercial bank in China that is entirely owned by corporate legal persons. It is also the fifth largest bank by market capitalization in mainland China. 's bank.

Of course, the popularity of credit cards is mainly due to the fact that the concept of advance consumption has been deeply rooted in the hearts of the people. The reason why many people apply for credit cards is not for emergencies but to develop the habit of advance consumption. Using credit cards can make Your life is more colorful.

After all, you have savings in your hands. If you encounter an emergency, you can use it for emergencies. However, people's consumption concepts are changing very rapidly, and advanced consumption has become the mainstream of the times.

Is it easy to get a China Merchants Bank credit card?

China Merchants Bank credit card is relatively easy to pass the review. You can apply as long as you meet the following two conditions:

1. Age requirement: 18-60 years old;

2. Have a stable job and source of income.

In addition, the following information and documents are required to apply for a credit card:

1. Domestic residents only need to provide: a completed and signed application form, identity document, and residence certificate document , Income certification documents;

2. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner’s residence permit (the reason for residence must be employment) or employment permit for foreigners/Hong Kong, Macao and Taiwan;

3. If you are a private owner, in addition to the above information, you must also provide: a copy of the industrial and commercial business license showing the applicant’s name, company name and date of business commencement.

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Is it easy to apply for a China Merchants Bank credit card?

It is relatively easy to apply for a China Merchants Bank credit card pass. As long as you meet the following two conditions, you can apply:

1. Age requirement: 18-60 years old (one year old).

2. Have a stable job and source of income, have certain financial capabilities and a good credit record.

3. The following documents are required to apply for a credit card: Domestic residents only need to fill in and sign the application form, ID card, residence permit, and income certificate; foreigners and citizens of Hong Kong, Macao and Taiwan must also provide: Residence permit for foreigners (the purpose of stay must be employment) or work permit for foreigners/Hong Kong, Macau and Taiwan; if a private owner, in addition to the above information, a copy of the business license stating the applicant’s Name, business name and commencement date. I don't know what your quota requirements are. To apply for a credit card with a larger limit, you must provide documents proving your financial strength, such as a copy of the real estate certificate and motor vehicle driving license; a copy of the bank loan account or deposit certificate.

4. You can try to apply for a China Merchants Bank credit card through the following methods: Online application: Please open our official credit card website, select "Apply for Credit Card" - "New Customer Application" horizontal menu, and select your favorite Credit card, enter and use it according to the prompts; please bring your original identity certificate, employment certificate and financial certificate to a China Merchants Bank branch in person.

You can add "China Merchants Bank Credit Card Center" as a friend through WeChat and click "I want to apply for a card". Call our credit card customer service hotline, select "3#" to request a credit card consultation by voice, then select "1" to transfer a service specialist to check you in and notify our local staff to contact you for confirmation please

1) If it is the first time for China Merchants Bank to apply for a credit card, and the online application is an appointment application, China Merchants Bank will complete the preliminary review within 7-10 working days and notify the review information. After the Credit Card Center receives the application documents, it usually takes 10 working days to review them. Once approved, the card will be sent to the customer via text message. Under normal circumstances, you can receive the card within 15 days after receiving the card issuance notification SMS.

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Is it easy to get China Merchants Bank credit card approved?

Look at your personal credit. If your credit is good, it will be approved. If your credit is bad, it will be approved. It is difficult to get approved. The difficulty of CMB credit card approval depends on the applicant's personal credit profile, income level, guarantee situation, and requirements for the type of card applied for. The China Merchants Bank general card is relatively easy to pass. If you are a newly graduated student or an applicant with a low income level, and you want to directly apply for a China Merchants Bank credit card gold or platinum card, the pass rate will be lower.

On December 3, 2002, China Merchants Bank officially issued the first international standard dual-currency credit card in China, ushering in 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 major visions: "to be China's best payment experience provider, to be China's best consumer finance expert, and to be China's leading diversified marketing platform". At the same time, it has also Won many honors.

Application conditions

(1) Chinese residents, foreigners permanently residing in the country, and compatriots from Hong Kong, Macao and Taiwan who are over 18 years old, have full capacity for civil conduct, and have good credit can apply with Apply to the card issuer for a personal credit card master card with your valid ID. The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply to cancel the supplementary card at any time.

(2) Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic deposit account in a financial institution within China and has independent legal person status can submit a deposit account issued by the People's Bank of China. Apply for an organization card from the card issuer with the basic deposit account opening license and other supporting documents (if you need to apply for an international organization card, you must also have a foreign exchange settlement account). The qualifications of the company card holder shall be designated and revoked in writing by the legal representative of the company or his authorized person. The applicant unit shall bear all debts incurred by the unit card.

(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully according to the card issuer's regulations and submit relevant supporting documents required by the card issuer, and agree to the card issuer's request to any Relevant departments, units and individuals understand and inquire about the credit status of applicants, and retain and use relevant data.

(4) The card issuer shall decide whether to issue a card based on the applicant's credit status, whether to require the applicant to provide guarantee and the method of guarantee, determine the method and type of card collection, and the credit limit to be granted to the applicant, etc. . Unsuccessful application materials will not be returned.

(5) The ways in which the applicant provides guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract should be signed separately for guarantee. The scope of guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest of overdrafts within the credit limit and overdrafts beyond the credit limit, over-limit fees, late fees and recourse fees).

(6) After receiving the credit card, the cardholder should immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card for transactions, otherwise, The cardholder is responsible for any losses incurred. The card issuer also provides cardholders with inquiry passwords and transaction passwords (i.e. cash advance passwords and card consumption passwords) through designated channels.

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