Is it easy to apply for a China Merchants Bank credit card?
The difficulty of approval for a China Merchants Bank credit card depends on the applicant's personal credit profile, income level, guarantee situation, and requirements for the type of card applied for. If you are a newly graduated student or an applicant with a low income level, and you want to apply directly for the China Merchants Bank Credit Card Gold Card or Platinum Card, the pass rate will be lower.
It is relatively easy to pass the China Merchants Bank general card review. Generally speaking, it only needs to meet the following requirements:
1. Natural persons aged 18 to 60 years old;
2. Have a stable job and source of income, provide bank records for the past three months, and have no bad records in the bank's credit reporting system.
In order to ensure the smooth approval of China Merchants Bank’s credit card, you can pay attention to the following points:
1. If conditions permit, providing houses, vehicles and other assets as guarantee can improve the approval rate;
2. Before applying for a China Merchants Bank credit card, choose the appropriate credit card type based on the card application requirements and your actual situation;
3. You will receive a return call after application, so pay attention to the details. , especially the content of the return visit and the personal information filled in must be consistent and cannot be inconsistent.
The application threshold for China Merchants Bank credit card is relatively not very high. Just pay attention to the application requirements and details, and there will not be too many obstacles to the approval.
Types of credit card products
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.
According to the different objects of issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, groups and other legal entities.
Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards
Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.
According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards
Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.
Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.
The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.
Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.
Is it easy to apply for a China Merchants Bank credit card?
It is easy to apply for a credit card. The credit limit is high and the interest rate is low. The bank applies for a credit card online:
If you want to find a credit card, it is best to apply. For banks, you can choose from private banks, local banks and their co-branded cards. This is also a common understanding.
In addition, the development of the credit card business of each bank is different. Generally speaking, those with a larger number of credit cards can be considered to have a lower application threshold and a higher chance of passing.
When many cardholders apply for a credit card, in addition to looking at the application threshold, they also pay attention to the credit limit. After all, the larger the credit card limit, the more enjoyable it is to swipe the card, so many people want to apply for a card with a good application limit. Big credit card.
Meituan co-branded credit card
Meituan co-branded credit card is a co-branded card jointly launched by banks and Meituan. The limit of Meituan co-branded credit card is generally 1,000-50,000 yuan, and the maximum limit is 50,000 yuan. Yuan. (
Meituan co-branded credit card application
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Meituan and Bank of Guangzhou, Bank of Jiangsu, Bank of Xiamen, Bank of Guilin, Bank of Shanghai, Bank of Qingdao, etc. All banks have cooperated to launch co-branded credit cards. The number of cooperative regional banks reaches 14.
Cardholders can bind their Meituan credit card to Meituan. When making purchases on Meituan, they can use the Meituan credit card to pay and enjoy related preferential activities.
If you are an experienced user of Meituan, often order takeout and group purchases, have a certain spending power, have applied for credit cards from other banks and use them normally, then applying for a Meituan co-branded card will basically take seconds. batch.
The Meituan credit card discount of 6 yuan can be used every day. You can get 6 yuan off on every takeout order every day, and the discount can be continued for 90 days. Movies are 50% off every month, and credit card consumption points can be automatically converted into Meituan pocket money according to the standard of 10 yuan/100 yuan, which can be redeemed on the daily platform.
Bohai Bank Credit Card
Bohai Bank credit card limit range is: regular card limit 1,000-10,000; gold card limit 10,000-50,000; platinum card limit more than 50,000. It should be noted that the approval of a credit card application is based on the applicant's actual situation, such as whether the job is stable and the income is fixed. (
Bohai Bank Credit Card Application
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Its products mainly include standard cards, Bohai Bank 51 co-branded credit cards, travel theme cards, home card theme cards, family Series theme cards, etc. Bohai Bank 51 co-branded credit card is a UnionPay standard gold card with no annual fee and a maximum credit limit of 100,000 yuan. The card does not have an interest-free repayment period, and interest is calculated on a daily basis. It can be borrowed and repaid at any time, and can flexibly meet the cardholder's needs for shopping and consumption.
Shanghai Pudong Development Bank Credit Card
Shanghai Pudong Development Bank credit card is divided into regular card, gold card and platinum card according to the card level. The limit of a regular card is generally between 3,000-50,000 yuan, the limit of a gold card is generally between 10,000-50,000 yuan, and the limit of a platinum card is generally more than 50,000 yuan. (
Application for Shanghai Pudong Development Bank Credit Card
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The credit limit of Shanghai Pudong Development Bank Credit Card is the credit limit given by the applicant through various evaluations. The evaluation items include: Employment, credit history, education and asset status, etc. The better the assessment item, the higher the credit card limit.
Hengfeng Bank Credit Card
The credit card limit of Hengfeng Bank is generally: the limit of regular card: between 3,000 yuan and 10,000 yuan. Gold card limit: between 5,000 yuan and 30,000 yuan.
Platinum card limit: between 10,000 yuan and 50,000 yuan. (
Hengfeng Bank Credit Card Application
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Mainly talk about the Hengfeng Bank Stellar Platinum Credit Card. It is a credit card mainly for family units. This card can provide cardholders and their families with a variety of rich benefits, such as comprehensive aviation protection, a private health manager for families, 3x points on Wednesdays, exclusive points cashback, and UnionPay platinum benefits. rights and interests.
In terms of travel, the Stellar Platinum Credit Card is also quite unique. With this card, the cardholder and his family can enjoy global flight delay insurance with a compensation of 300 yuan for a single delay of 2 hours, and 800 yuan for air checked baggage. Delay insurance.
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 a China Merchants Bank 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 can prove your income level to let the bank think that 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 approved for a China Merchants Bank credit card?
Look at your personal credit. If you have good credit, it will be easier to get approved. If you have bad credit, it will be difficult. The difficulty of approval for a China Merchants Bank credit card depends on the application. The person’s personal credit situation, income level, guarantee situation, card type requirements applied for, etc. 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.
That’s it for the introduction of whether China Merchants Bank’s credit card is easy to apply for.