How to activate a China Merchants Bank credit card after receiving it?

1. China Merchants Bank credit card customer service phone activation process

Call the China Merchants Bank credit card 24-hour customer service hotline: 400- 820-5555;

After selecting "1" Chinese service in the voice, select "1" cardholder service, select "3" card opening and password setting, and then select "1" to open the card;

Enter the 16-digit credit card number and press the # key to end;

Follow the voice prompts and enter your 8-digit birth date, home phone number, and the last 3 digits on the card face;

Activation successful! You can set a password for credit card phone inquiries so that you can use it normally next time.

2. China Merchants Bank Credit Card Official WeChat Card Opening Process

Scan the QR code on WeChat, follow it, and view the message;

2. Click "Open Card· Click "Progress" and follow the prompts to open the card;

Official client to quickly open the card

Scan the QR code and download Palm Life;

2. Click "Card payment-I want to open a card" fill in the relevant information to complete the card opening.

How to activate China Merchants Credit Card

China Merchants Bank’s credit card can be activated through the China Merchants Bank Credit Card Center website, you can also activate it by calling the China Merchants Bank customer service hotline, or you can activate it through online banking or mobile banking. 1. Online activation: Use Baidu browser (version 13.1) to log in to the China Merchants Bank Credit Card Center (version 1.0.0) website. In the "Card opening and card application inquiry" column in the lower right corner of the website homepage, select "Card opening (new card)" Activate)" function, after entering the card activation page, follow the prompts to activate your card. 2. Customer service phone activation: Use the mobile phone number left when applying for a credit card to call the China Merchants Bank credit card customer service phone number 400-820-5555, press "4 #", and then follow the voice prompts to activate. 3. Online banking or mobile banking activation: Old customers who have already inquired about their password can also log in to China Merchants Bank's online banking or mobile banking to activate your card. The path is "Card Management" → "Credit Card Opening".

1. China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is completely owned by corporate legal persons. It is also the first country to promote banking industry reform from outside the system. pilot bank. Since it was first shortlisted for the Fortune Global 500 in 2012, it has been shortlisted for seven consecutive years. In 2018, it ranked 213th on the Fortune Global 500. On June 26, 2019, eight banks including China Merchants Bank were among the first to launch online enterprise information verification systems. In July 2019, the 2019 Fortune Global 500 was released, ranking 188th. In November 2019, it ranked 85th on the list of the top 100 Chinese enterprises along the Belt and Road Initiative. In December 2019, China Merchants Bank was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony. On December 18, 2019, it ranked 31st on the People's Daily "China Brand Development Index" 100 list. On January 13, 2020, it was selected into the 2020 Hurun Top Quality Awards. In March 2020, it was selected as the 74th among the top 500 global brands in 2020. In May 2021, it ranked 22nd on the "2021 Forbes Global 2000".

2. The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22. Net capital exceeds 290 billion and total assets exceed 4.4 trillion. As of the first half of 2017, China Merchants Bank has more than 1,800 branches at home and abroad, has established service outlets in more than 130 cities in mainland China, has 5 overseas branches and 3 overseas representative offices, and employs more than 70,000 people.

In addition, China Merchants Bank also wholly owns China Merchants Bank Financial Leasing Co., Ltd., holds a controlling stake in China Merchants Fund Management Co., Ltd., holds a 50% stake in China Merchants Cigna Life Insurance Co., Ltd., and a 50% stake in China Merchants United Consumer Finance Company; it wholly owns Wing Lung in Hong Kong Bank Limited and CMB International Financial Holdings Limited.

3. China Merchants Bank’s development goal is to become China’s leading retail bank. The all-in-one bank card was launched in July 1995, and China's first online banking all-in-one was launched in September 1999. It has become a widely used online payment tool for many enterprises and e-commerce websites, and has promoted the development of e-commerce in China to a certain extent. On April 2, 2015, China Merchants Group Co., Ltd. planned a major event. In order to ensure fair information disclosure, protect the interests of investors, and avoid causing abnormal fluctuations in the company’s stock price, upon the company’s application, the company’s stocks will be open for trading on April 3, 2015. Trading suspension. In August 2016, China Merchants Bank ranked 39th among the "Top 500 Chinese Enterprises 2016".

How to activate China Merchants Credit Card

Steps to activate China Merchants Credit Card:

Operating environment:

Brand model: iPhone13

System version: iOS15.3

App version: 10.1.0

1. The activation method of China Merchants Credit Card is very simple. First, we download and install the China Merchants Bank mobile client application. Palm life, click the card after opening it.

2. In the card payment of China Merchants Bank mobile client application Palm Life, we click I want to open a card.

3. At this time, Palm Life requires us to log in or register an account. If you haven’t registered one with your mobile phone number first, just do it.

4. Enter the ID number, validity period and security code in the activation card of China Merchants Bank mobile client application Palm Life, and then click Next.

5. Next, Palm Life will prompt China Merchants Bank to send a 6-digit verification code to the mobile phone number. After entering the verification code, click Next.

6. At this time, Palm Life will ask us to set the China Merchants Bank credit card account inquiry password. After setting it, click Next.

7. After setting the CMB credit card account inquiry password, we need to set the CMB credit card transaction password.

8. After setting the password for checking the account of the China Merchants Bank credit card, the activation of the China Merchants Credit Card will be completed. It will be very convenient to use Palm Life to repay in the future.

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. with independent legal person status that opens a basic deposit account at a financial institution in China can submit a deposit account issued by the People's Bank of China. Basic deposit account opening license and other supporting documents are required to apply for an organization card from the card issuer (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 the relevant supporting documents required by the card issuer, and agree that the card issuer shall submit the application to any relevant party. Departments, units and individuals understand and inquire about applicants' credit status, and retain and use relevant data.

4. The card issuer will 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. Unsuccessful application materials will not be returned.

5. The methods by 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.

How to apply for a China Merchants Bank credit card

Welcome to learn about China Merchants Bank credit cards.

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

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, enter "Apply for Credit Card", Enter the link to select your favorite card type and fill in the reservation application information. Details can be verified by entering WeChat customer service;

2. Please 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. 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 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.

Warm reminder: The credit card verification status is subject to the final review result.

(Response time: December 9, 2019. For the latest business changes, please refer to the official website of China Merchants Bank)

How to apply for a China Merchants Bank credit card

Every year 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 standing can apply for a personal credit card master card from the card issuer with their valid identity documents.

General users can apply for a China Merchants Bank credit card in the following three ways:

1. Apply for a credit card online:

Customers who do not hold a card: Select "Apply for the first time to China Merchants Bank Credit Card (New Customer)" to enter "Easy Application, Door-to-Door Service"!

Customers who already hold the card: Select "I have a China Merchants Bank Credit Card (Old Customer)" and only need to fill in personal information online and print your signature. Just mail it to China Merchants Bank (mailing address: Mailing Room, 13th Floor, Jiangong Building, 33 Fushan Road, Pudong New District, Shanghai, Postcode 200120).

2. Bring your identity document, employment certificate and financial information to any branch of China Merchants Bank to fill out the application in person;

3. Customers who already hold a China Merchants Bank card can also Call 400-820-5555 customer service number to request an application form.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Main features

①Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation to a certain extent;

p>

②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

③Credit cards are high-tech products that integrate financial services and computer technology.

④Credit cards can reduce the use of cash;

⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

⑥Credit cards can simplify collection Reduce payment procedures and save social labor;

⑦Credit cards can promote product sales and meet social needs.

Financial Management Strategy

1. Control the number of credit cards and only have enough.

Once there are too many credit cards, it is easy to make mistakes or forget the repayment date of the card. Issues such as the credit limit of that card are difficult to manage and can easily lead to late repayments and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered, which is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.

2. Keep the credit card receipts

Most credit card holders do not care about the receipts and will not keep them. Most of them throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. Moreover, many people do not set passwords on their credit cards, and carelessly discarding the credit card credentials may lead to credit card theft.

For security reasons, it is best to keep the credit card receipt after swiping the card to make yourself aware of it and develop good credit card financial management habits.

3. Reduce cash withdrawals

Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawals require a certain percentage of handling fees, and even if you deposit your own money into it, you will be charged. Therefore, it is not cost-effective to use or use it as a passbook.

4. Choose the right credit card

The choice of credit card is very important. Nowadays, many commercial institutions have bundled cooperation services with banks. For example, you can apply for a joint name between a department store and the corresponding bank. With a credit card, you can spend points here as a member and get discounts; or some cards can provide discounts at designated merchants, including dining, movies, towing services, etc. There are various categories, and you can choose freely according to your needs. Credit cards should be used wisely and chosen wisely.

5. Use your credit card as much as possible within the maximum limit for credit card consumption

Every credit card has a limit. If you use your card within this maximum limit, you are safe. So, within this controllable range, please swipe as many cards as possible. Because a credit card is like when you buy something, the bank will pay you first, so why not? Just pay it back to the bank on time on the repayment date. On the one hand, it is more convenient to consume, on the other hand, it can also accumulate credit, and the bank can also charge merchants fees from your card swiping amount, which is a win-win situation.

6. Don’t repay until the repayment date

Use the last repayment date to earn more interest. After all, the money is placed in your own account, and the interest generated is also yours, so Make full use of the opportunity of money in your hands to make it generate more money. In addition, if you are unable to repay due to some special reasons on the repayment date, please call the bank's credit card customer service hotline to explain the situation and request a delay in repayment. 1 to 2 days, usually this situation will be allowed.

That’s it for the introduction of how to open a China Merchants Bank credit card.