Is there an annual fee for the China Merchants Bank student credit card?

There is an annual fee. Within a full year of validity of your card (from the card issuance date, not a natural year), you must swipe the card 6 times ( No amount limit), the annual fee for the second year will be waived, and the annual fee for the third year will be waived by swiping the card 6 times in the second year. If you spend 6 times with a single card (no limit on amount or form), the annual fee for the card in the following year will be reduced. And until the new annual fee discount policy changes are notified, this discount will be valid for a long time. The number of online purchases can also be accumulated into the 6 times of reduction or exemption of the annual fee for the following year.

1. Does the CMB campus card have no limit: The CMB campus credit card has no limit before the cardholder graduates. Cardholders need to deposit money into their credit card account before they can make purchases. After graduation, you also need to go through the card transfer procedures before the credit limit will be released. There is no annual fee for this card during the validity period of the card. If the card applicant is a college student and has never applied for another major credit card from China Merchants Bank before, he can apply for this credit card.

2. Where to get the credit limit of China Merchants Bank Student Card: The credit limit of China Merchants Bank Student Card can be obtained in the Palm Life APP. After applying for a MasterCard full-currency card, log in to the Palm Life APP and click "Limit Receive" on the homepage. . Undergraduate students can receive a quota of 3,000-5,000, and graduate students can receive a quota of more than 5,000. After the quota is successfully collected, there is an opportunity to increase the quota, but very few student users successfully increase the quota. In addition, after graduation, the student card can be transferred to a new card, so the credit limit will be basically around 10,000 yuan after the transfer is successful. However, there are also some users whose credit limit remains unchanged after switching cards. The specific credit limit will be determined based on personal credit history.

Third, three tips for applying for a credit card for people without a job:

To create bank statements like people without stable income, such as freelancers, etc., you can find a date every month Deposit a sum of money regularly to one of your debit cards. If you deposit it for a few months, it will generate bank flow, and you can use it as proof of your income to manage your credit card. Applying for a credit card online The conditions for applying for a credit card online are much easier than going to a bank counter, and there is not much information to fill in, especially when applying for a credit card on Alipay. Basically, as long as your Zhima credit score is high, you will be fine. You can apply to get a credit card.

Operating environment: Redmi K30 Extreme Commemorative Edition Palm Life App 8.5.9

What is the general limit of China Merchants Bank’s student credit card?

The general limit of China Merchants Bank’s student credit card The minimum is 2,000 yuan and the maximum is 10,000 yuan, but the final result depends on the applicant's specific situation and the proof provided by the applicant to determine the credit card limit. If the applicant's personal qualifications are better, the credit limit will be correspondingly higher. In addition, if the cardholder has a good card usage record, China Merchants Bank will increase the fixed limit for the cardholder from time to time.

Currently, most credit cards issued by China Merchants Bank for school students are YONG cards, and the general authorization limit is 3,000 yuan (because college students generally have no source of income). The limit for online processing is 3,000; if applied offline, the bank credit card limit will be adjusted based on the personal wishes and personal circumstances of the card holder, and will generally fluctuate between 3,000 and 5,000. Cards are sent by registered mail directly from China Merchants Bank headquarters and will arrive approximately 3-5 working days after approval. Young Card Campus Edition: An exclusive credit card for college students. To apply, you only need to provide proof of enrollment. Like the academic requirements for the youth version, applicants for the campus version of the Young card must be college students. Unlike credit cards issued by most banks, the youth version of China Merchants Bank Young Card does not charge handling fees for the first cash withdrawal every month. This is what young people value most. After all, cash must be taken out on many occasions.

China Merchants Bank YOUNG Card is almost the most attractive credit card among domestic banks at present, which shows that China Merchants Bank keeps up with the trend of the times and sincerely interacts with young people. China Merchants Bank's student credit card limit generally has a minimum limit of 2,000 yuan and a maximum of 10,000 yuan. However, the credit card limit is ultimately determined based on the applicant's specific situation and the certificates provided by the applicant.

If the applicant's personal qualifications are better, the credit limit will be correspondingly higher. If applied offline, the bank credit card limit will be adjusted based on the personal wishes and personal circumstances of the card holder, and will generally fluctuate between 3,000 and 5,000.

After the user successfully applies for a China Merchants Bank credit card, he or she can enjoy the overdraft limit provided by the credit card. However, it should be noted that the credit card applied for by students has a limited overdraft withdrawal limit. The China Merchants Bank campus credit card is relatively good for college students. After successfully applying for the credit card, users can enjoy the benefit of free handling fees for the first two withdrawals every month.

Although it is difficult to accumulate CMB points, the things that can be redeemed are relatively good. After successfully accumulating credit card points, users can choose the products they want to redeem in Palm Life. What users need to understand is that student credit cards are only for students in school, while ordinary credit cards are different. Anyone can apply for an ordinary credit card as long as they pass the bank's review.

The functions of the card for college students: Free remittance to other places: parents can deposit cash in other places and withdraw money locally without paying any handling fees.

Accumulated points for consumption: When you use a credit card for consumption, you can accumulate points from the corresponding card-issuing bank. Points can be redeemed for goods. The specific accumulation rules and redeemable goods vary depending on the card-issuing bank.

Establish a credit record: A good credit record will make it easier to apply for housing loans or other consumer loans in the future.

Consume first and repay later: After swiping the card for consumption, the bank will collect the payment 20 to 50 days later, during which no interest or fees are required.

Instalment payment shopping: When purchasing your favorite big-ticket items such as computers, you can apply for credit card installment payment, with terms ranging from 3 to 24 months.

What information is generally required to submit when applying for a college student credit card?

Generally, you are required to provide a copy of your ID card, student ID card or original certificate from your department. Some banks may also require you to present other cards issued by the school.

What types of credit cards are there for college students:

There are seven types of credit cards for college students, including the "Peony Student Card" issued by the Industrial and Commercial Bank of China, the "Dragon Card College Student Card" issued by China Construction Bank, "Youka" issued by Agricultural Bank of China, "Young Card" issued by China Merchants Bank, "Fantasy Card" issued by Guangdong Development Bank, "I Card" issued by China CITIC Bank and the campus version of CMB's League of Legends Credit Card that is being issued.

China Merchants Bank Student Credit Card

If you are a current student and have never applied for a China Merchants Bank personal credit card master card before, you can try to enter the campus version area through the China Merchants Bank Credit Card official website and apply Campus version of credit card. After passing the preliminary review, you can use the notification text message and bring your ID card to any CMB branch in the city where your school is located to go through the signature confirmation procedures without submitting other supporting documents. For example: League of Legends Credit Card Campus Edition is a credit card product launched for college students. Before graduation, the credit limit will be temporarily sealed. By recharging first and then spending, cardholders can normally enjoy dining discounts, movie ticket discounts, points accumulation, etc. Credit card benefits, and you can also enjoy the exclusive benefits of the campus version of the credit card such as specific fee exemptions. You can also start accumulating personal credit information records while you are studying. After graduation, you will have the opportunity to enjoy a higher credit limit by switching to a card. Installment is currently not available, but there is a cash advance function.

How to apply for credit limit for China Merchants Bank student credit card

Operating environment:

Brand model: iPhone13

System version: iOS15.3

App version: v8.5.11

1. Open China Merchants Bank’s mobile app for credit card management, Pocket Life, and log into Pocket Life with the credit card account to be opened.

2. Click "My" in the lower right corner of the page and select "Student Quota Activation".

3. Enter the required parental consent information and click "Send SMS".

4. If you want identity verification, enter your personal information for identity verification.

5. The identity verification is successful, the parents reply to the text message, and the system can then place a quota after a comprehensive evaluation.

1. Types of CMB student credit cards

In 2019, the joint student credit card launched by China Merchants Bank and Xiaomi is unique in terms of card design and usage rights. Full of sincerity. In fact, this is just a representative of CMB’s student credit cards. CMB’s student credit cards also include HELLOKITTY Pink Romantic Campus Card, CMB League of Legends Riven Card Campus Edition, YOUNG Card Campus Edition, etc.

2. Application for China Merchants Bank student credit card

To apply for China Merchants Bank student credit card, the information you need to prepare is very simple. You only need your ID card and student card to complete the application. Currently, there are four ways to apply for a student credit card at China Merchants Bank:

1. To apply for a China Merchants Bank credit card, students can also complete a preliminary appointment through the official website, WeChat official account and WeChat applet. After the appointment is completed, they will receive the preliminary review results from China Merchants Bank. If the preliminary review is successfully passed, the results will be issued soon. Someone will come to apply for the card.

2. To apply for a China Merchants Bank credit card, applicants can make an appointment to apply for a card by phone - call the 4008205555 service hotline and press 3# to enter "Apply for Credit Card".

3. To apply for a China Merchants Bank credit card, the applicant can bring his/her identity document and student ID card to any major business outlet of China Merchants Bank to apply for the card.

4. China Merchants Bank credit card campus promotion activities. Campus promotion activities are usually held at the beginning of school or during some major festivals. CMB staff will assist throughout the process, making it more convenient to apply for a credit card.

The China Merchants Bank student credit card has many benefits, types, and application methods. However, one thing that the majority of student parties need to pay attention to is that if a freshman on campus applies for a credit card, the CMB student credit card can only be processed after the freshman has completed registration. to apply.

What are the conditions for credit card application? Although the credit card application conditions of each bank may be slightly different, the above are the basic conditions for applying for a credit card. China Merchants Bank JCBKITTY Tangzhuang Card, in addition to providing credit card functional services and functional services of the international brand JCB, the card also takes advantage of the card surface update to strengthen exclusive services, and the Hello Kitty gifts that can be exchanged for credit card points are richer. In addition, China Merchants Bank JCBKITTY Tangzhuang Card has won the hearts of countless KITTY fans due to its super fast card application speed.

Conditions for applying for the youth version of CMB Young Card

The youth version of CMB Young Card is divided into campus version and non-campus version.

1. Application for the campus version: College students who are over 18 years old and under 30 years old (inclusive) can apply. Your credit limit will be temporarily blocked (no limit) until you graduate.

By depositing first and then spending, you can enjoy the normal benefits of CMB credit cards such as dining discounts, movie ticket discounts, and points accumulation, and you can also enjoy the exclusive benefits of campus credit cards such as specific fee exemptions. You can also start accumulating personal credit records during your studies, and you can have the opportunity to enjoy a higher credit limit by switching to a card after graduation.

2. For the non-campus version, please refer to the application method for ordinary credit cards (while you are in school, you can also apply for the non-campus version if you can find a job and can issue a work certificate and income certificate to the bank):

If you want to apply for a credit card with a relatively large limit (such as a platinum card), you need to provide proof of good financial strength, such as: a copy of the real estate certificate, a copy of the car license (not a driver's license); a bank loan account (Good credit, no more than 60 days overdue) or a copy of the deposit receipt, etc.

Extended information:

The use of CMB young card is different from that of standard credit cards:

1. The overview of the two is different:

1. Overview of CMB Young Card: CMB Young Card is a RMB credit card launched by China Merchants Bank that can only be applied for by non-student customers under the age of 30.

2. Overview of standard credit card: Also called credit card, it is a non-cash payment method and a simple credit service, issued by commercial banks or credit card companies to consumers with qualified credit. Credit certificate.

2. The characteristics of the two are different:

1. Characteristics of CMB young card: After the user activates the online payment function, he can set the cumulative consumption limit by himself. When the consumption reaches the limit, It needs to be reset and the previous accumulated records will be cleared.

2. Characteristics of standard credit cards: Consumers holding credit cards can go to a special commercial service department to shop or consume, and then the bank will make settlements with merchants and cardholders. Cardholders can make purchases within the prescribed limit. overdraft.

Baidu Encyclopedia-China Merchants Bank Young Card

What should I do if my China Merchants Bank campus version credit card has no limit?

Deposit is required first. China Merchants Bank Young Card Campus Edition is a credit card launched for college students. This card has no limit. The credit limit will be temporarily sealed before graduation.

By depositing first and then spending, cardholders can enjoy the normal benefits of CMB credit cards such as dining discounts, movie ticket discounts, and points accumulation, as well as additional exclusive benefits of campus version credit cards such as specific fee exemptions. You can also start accumulating personal credit records during your studies, and you can have the opportunity to enjoy a higher credit limit by switching to a card after graduation.

Notes on using credit cards

Repay in time. This is the most important thing. After using a credit card for overdraft consumption, you must make repayment on the repayment date specified by the bank, otherwise the consequences of overdue records will be serious.

Use your card safely. Remember to keep your credit card information confidential to prevent it from being leaked and used by criminals to steal money. If your card is lost, report it as lost immediately.

Reconcile accounts carefully. Your credit card will have a statement every month. You can read the transaction records carefully to see if someone has stolen the credit card. You can also use this statement to see your monthly consumption.

This concludes the introduction to CMB Campus Credit Card and CMB Campus Credit Card Limit. Have you found the information you need?