What are the application requirements for China Merchants Premium Platinum Installment Credit Card? How to apply?
China Merchants Premium Platinum Installment Credit Card, referred to as Installment White, can be seen from the name that this is a card related to installments, with a maximum limit of 300,000. Some cardholders reported that their applications for installment payment were always rejected. Today I will explain to you how to apply for installment payment and what conditions need to be met?
This platinum card can be said to be the easiest platinum card to apply for from China Merchants Bank. Its various benefits are also good. Before introducing how to apply, let me first introduce its points situation.
Amount: up to 30W
Installation fee: The minimum consumption in a single period is automatically installment, and the number of installments is automatically determined. The expected annualized interest rate is about 13%?
The annual fee is waived in the first year, and the annual fee is waived for the next year after 820 times.
No points will be earned by swiping the card, and double the points will be earned for the installment amount.
So, what are the requirements?
If you want to apply for this card, you must first meet the basic conditions for a China Merchants Bank credit card. You must be between 18 and 60 years old, have a stable job and a good income, and have no bad credit record.
In addition, China Merchants has made adjustments to the application conditions for installment payment, from the previous fixed quota of 50,000 yuan to 60,000 yuan, and temporary quotas of more than 60,000 yuan can be raised.
The important thing to say here is: it does not mean that you can apply for installment payment if you reach a fixed amount of 60,000 through cash installment.
Instalment payment is also a disguised form of turning your temporary quota beyond the fixed quota of 60,000 into a fixed quota. The installment plan and the temporary quota of your Gold Card are exclusive, and you can only choose one of the two.
If you want to apply for installment payment, do not apply for a temporary quota after raising the fixed amount to 60,000.
Once your temporary limit can still apply for more than 60,000, we can apply for installment payment, and you can basically apply for the card.
How to apply?
After meeting these conditions, you can go to the China Merchants Bank branch to get the platinum card application form. After filling it out, attach a copy of your identity certificate, employment and new financial support documents. If you can provide complete financial proof For example, copies of large deposit slips, real estate certificates and driving licenses of high-end private cars are very helpful for credit card approval and limit levels.
What are the requirements for applying for a China Merchants Bank Premium Platinum Installment Credit Card?
China Merchants Bank Premium Platinum Installment Credit Card Individuals who are over 18 years old, have full capacity for civil conduct, have legal and stable sources of income, and have good credit standing can issue a card to the Bank with their valid identity documents. The organization applies for a personal credit card. Only available to specially invited customers.
You can call the Platinum VIP hotline 400-888-5555 to settle the installment transaction in advance. At that time, the outstanding principal and handling fee of the installment will be charged in one go. Special reminder: Your deposit or transfer to the Premium Platinum Installment Credit Card before consumption or the current bill date will not affect the generation of automatic installment orders for the current bill.
Extended information
1. General consumer transactions do not include cash advances, installment payments, fees, liquidated damages, interest and transactions specified by the China Merchants Bank Credit Card Center.
2. If the total amount of new general consumption in your current bill does not exceed your automatic installment starting amount, the relevant consumption will not be automatically installmentd. From now on, customers who apply for a platinum installment card for the first time will automatically have the starting installment amount set to 2,000 yuan by default.
3. The optional automatic installment starting amount includes RMB 300 or RMB 2,000. You can inquire and modify the starting amount through customer service or self-service channels. Modification of the starting amount will not affect the installment amount that has been issued. bill.
4. Once the automatic installment takes effect, it cannot be revoked or canceled. You can modify the number of installments once every 6 natural months. Modification of the number of installments will not affect the automatic installments that have taken effect.