The e-card of UnionPay e-card is a virtual card. Customers who apply for a card for the first time only support the direct PAD channel and need to apply for registration in official website or mobile banking. After being employed, enter the PAD form filling page and check "Add Virtual Card" to apply. Cardholders can log in to the new version of Pocket Life and select "Select-Card Family Photo-Virtual Card" to apply. After handling the electronic card (e-card), you can only enjoy the credit limit and personal credit limit, and you can only send the card through the pocket life channel. The new customer binds the palm life according to the prompt, and automatically opens the card after verification. /kloc-Card number, expiration date and CVV2 information can be inquired within 0/5 minutes, and the card can be used normally after operation. If the virtual card added by the cardholder is issued, the card will be opened by default. China Merchants UnionPay e-card (electronic card) can be issued on the spot at the earliest, and online and offline transactions can be realized after the mobile phone is bound, which is very convenient and free of annual fees.

Operating environment: iphone1114.7 mobile banking APP model: 1. 1.0.

1, e card is an electronic card. If the physical card does not arrive, you can use the electronic card first, and the bound WeChat Alipay has it. After receiving the physical card, you can cancel it without affecting it.

2. "E-loan" (including "E-loan installment") is limited to RMB currency. The credit lines of multiple credit card accounts, various installment credit lines, supplementary card credit lines and cash withdrawal lines of cardholders are controlled by the upper limit of total credit lines set by card issuers. Every time the cardholder applies for "e-loan" (including "repayment at any time" and "installment repayment").

When applying for China Merchants Bank credit card through PAD channel, you can also inquire about the issuance of UnionPay e-card. "UnionPay e-card" is a virtual account and does not issue physical cards; The function is the same as that of the physical card, * * * enjoys the same amount and issues a bill. E There are two repayment methods, active repayment and automatic repayment. Active repayment requires logging in to China Merchants Bank Mobile Banking or Pocket Life App for repayment. After automatic repayment is set, automatic deduction is made according to the quota to realize repayment.

3. "E-loan" (including "E-loan installment") is limited to RMB currency. The credit lines of multiple credit card accounts, various installment credit lines, supplementary card credit lines and cash withdrawal lines of cardholders are controlled by the upper limit of total credit lines set by card issuers. Every time a cardholder applies for "e-loan" products (including "repayment at any time" and "installment repayment"), his application qualification and the amount he can handle shall be subject to the comprehensive evaluation of the Credit Card Center of the Bank.

The principal, interest and handling fee of "e-loan" business are not calculated. After the cardholder successfully applies for "e-loan", the system will review the payment arrival time, and record it within 6 hours at the earliest and 18 hours after the application at the latest.

4. After the bank approves the cardholder's application, it will transfer the money to the valid one-card account opened by the cardholder himself (the account opening certificate of one-card must be the same as the credit card) or other bank debit cards designated by the cardholder and supported by China Merchants Bank, including the bank at the time of application. The account opening certificate of the above account must be the same as that of the bank credit card. The money shall not be used for investment (including but not limited to equity investments such as house purchase, stocks and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).