The Constellation Guardian Credit Card launched by China Merchants Bank can provide health insurance coverage as a gift, and cardholders can receive it for daily consumption, with a maximum limit of 100,000 yuan. The higher the credit card limit, the higher the consumption limit, and the higher the insured amount of health insurance. Many users are very interested in this card, but are hesitant because they don’t know the credit limit and annual fee. So, what is the general limit of China Merchants Bank’s Constellation Guardian Credit Card? Can the annual fee be reduced?

This China Merchants Bank Constellation Guardian Credit Card is a UnionPay Gold Card. According to the limit range set by China Merchants Bank for gold-level credit cards, the maximum limit is 50,000 yuan, but each applicant’s credit Depending on the conditions, the approved amount will naturally be higher or lower. Credit card application platforms usually make a comprehensive assessment based on the applicant's repayment ability, credit card status and other qualifications, and generally make reference from two aspects. Basic information filled in by the applicant, such as income, age, education, work unit, working years, job position, marital status, housing availability, loan records, etc.; central bank credit report, check the applicant's credit record, and loan Information, look at the number of credit cards in your name, total credit limit, used limit; whether there are other loans, credit limits, repayment amounts, etc.; and inquiry records on the credit report, etc. If the approved credit card limit is low, it may be because the user's financial status is questioned. Therefore, cardholders with larger credit limit requirements are best to submit as much income and property certification materials as possible when applying for a card to prove their qualifications and improve their qualifications. Increase success rate.

China Merchants Bank divides credit cards into regular card, gold card, platinum card and above levels. Credit cards of different levels have different annual fee charging standards. The higher the level, the more expensive the annual fee. This China Merchants Bank Constellation Guardian Credit Card is a UnionPay gold card. The annual fee is based on the gold card standard: 300 yuan/year for the gold card and 150 yuan/year for the supplementary card. There is no annual fee if you do not open the card. The annual fee is waived in the first year of opening the card. Any 6 purchases within the annual fee cycle can be exempted from the annual fee in the following year, and so on. There is no limit on the amount and form of consumption, such as online transactions, cash withdrawals, installment transactions, and credit card binding with Alipay. Or WeChat purchases are counted as card swiping times. If you do not make enough payments within the annual fee cycle, the annual fee will be deducted from the credit card limit and included in the current bill. The cardholder must make repayment on the final repayment date, otherwise it will be overdue.