Advantages:
1, credit card points play a great role.
Compared with credit card points of other banks, credit card points of China Merchants Bank can realize many functions, exchange more products and cash out.
There are many branches in China.
China Merchants Bank has many online stores. Compared with other joint-stock banks, China Merchants Bank has many online stores, especially in large, medium and small cities. Very convenient.
3. There are many offline activities.
Compared with other banks, China Merchants Bank's credit card has much more offline activities, and the high shopping points can also be discounted, which not only meets the needs of customers but also saves customers a sum of money.
4. Credit card application is very convenient.
It is very convenient for China Merchants Bank to handle credit cards, not only in online shopping malls, but also on mobile phones, telephones, WeChat, websites and at the door of salesmen.
5. The types of cards are complete.
There are many types of credit cards in China Merchants Bank, and there are different types of cards for different customers, which can bring the greatest convenience to customers.
6. installment payment is very convenient
At present, many online and offline shopping malls support the installment payment of China Merchants Bank, which not only has low handling fees, but also has low interest.
7. Value-added group buying activities
Customers with CMB credit cards can often enjoy the group buying activities of CMB credit card customers. The products are very rich and the prices are absolutely favorable.
Disadvantages:
1, the integral policy is inhuman (20 yuan scores one point, not counting zero);
2. There is no SMS prompt for small consumption;
3. All cards are combined into one bill (inflexible);
4. The online payment limit is too low, so the points are not calculated.