Repayment at the counter of China Merchants Bank can be recorded within the same day (or 2 hours).

If the repayment is made at the counter of China Merchants Bank, it can be recorded on the same day or within two hours. The trading day of China Merchants Credit Card is the actual date of each credit card transaction, and the billing date is generally the day after the trading day. Credit card repayment is recorded in sequence, so the recording time of each person is different, generally recorded within the day of repayment at the counter of China Merchants Bank.

If the cash advance function is enabled when handling the China Merchants Credit Card, you can also transfer the money to the debit card account of our bank or other banks under our name through the Pocket Life APP, the Mobile Banking APP and the online banking customer service telephone voice system, and the account can be received in real time.

The annual fee of most credit cards is generally determined according to the date when the cardholder opens the card, not every natural year. In other words, the annual fee for the next year will be charged for opening the card. China Merchants Bank or the partner's credit card will reduce the annual fee for the first year in advance, and the annual fee for the second year (unlimited amount) will be reduced by swiping the card six times in a whole year (from the date of spontaneous card issuance, non-natural year), and the annual fee will be reduced by swiping the card six times in the third year. The annual fee for a single card can be reduced or exempted for the following year after spending 6 times (the amount and form are not limited).

It usually takes about 1 month to get a credit card at the bank counter. When handling cards at the counter, it is generally necessary to prepare paper materials. After the bank receives the materials, it will mail them to the credit card center. The credit card center will start reviewing the materials after receiving them, which will take about 10 working days. After the approval, the card will be made and mailed, and the card can be received within 2 weeks. If users want to get a credit card quickly, they can choose to apply online, because online application does not need to prepare paper materials or mail.

The entry time of China Merchants Bank needs to be analyzed in detail, and different situations are different, as follows:

1. If it's a credit card for counter repayment, it can be received on the same day or within two hours.

2. If it is the entry time after credit card consumption, it can generally be entered within 24 hours.

Characteristics of China Merchants Bank Credit Card:

1, it is easy to withdraw cash from credit cards. As you all know, China Merchants Bank's "capping" technology is actually the skill to quickly upgrade China Merchants Bank's universal card gold card level to 6w with special skills, which is enough to show that China Merchants Bank's credit card withdrawal speed is very fast. Although the policy has been tightened in the past two years, it is still very fast.

The interest-free period of 2.48 days is not an advantage, because the interest-free period of China Merchants Bank is almost the shortest among banks, but who makes it more active, more favorable and easier to raise the amount?

3. The temporary quota of China Merchants Bank has its own characteristics. Does not conflict with the quota. In the process of practice, friends often mention temporary fixation at the same time. This is also an advantage of China Merchants Bank, and after the temporary quota expires, if your bill is used well, you can continue to use it. Moreover, China Merchants Bank also has an overseas temporary quota. Although this quota cannot be used without leaving the country, there are skills to make it fixed.

Credit card input time

Credit card input time varies according to specific business conditions:

1. Credit card transactions are generally recorded in the credit card bill on the second day of the credit card trading day;

2. There is no definite time for credit card repayment at present, and the specific time is related to the speed and repayment method of internal systems of banks. For example, ICBC and China Merchants Bank entered the account on the same day, and the traffic entered the account the next day. The normal opening time of each bank varies from 1-2 days.

Credit card posting means that the credit card is still being repaid and the repayment funds have not yet arrived. At this time, checking the repayment status will show that posting is in progress. After the repayment funds arrive, the amount will be restored and the repayment status will change. If the repayment status is shown as accounted, but the line has been restored, it is also considered that the user has successfully repaid.

Because the payment of repayment funds may be out of sync with the page display, as long as the amount is restored, even if the user succeeds in repayment, it will not affect the user's subsequent use of the card.

In credit card entry, users can only continue to use the card if there is a credit card limit available at present, and overdraft consumption, cash withdrawal and transfer are all possible. In credit card posting, it is usually that the repayment funds have not arrived after the user repays. Although most of the repayment funds arrive in real time, it is not ruled out that there will be delays in arrival.

In short, credit card entry will not affect users' subsequent use of the card. As long as the credit card status is normal and there is an available amount, users can continue to use the card.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

_ If you spend money without overdraft, you can enjoy an interest-free period of 20-56 days, repay the money on time and charge no fees (most banks will charge 5 ‰ interest on the day of withdrawal, and there is a 2% handling fee, while ICBC only charges interest).

How long does it usually take for a bank to enter an account?

The bank's entry time needs to be analyzed in detail, and different situations are naturally different, as follows:

1. If it's a credit card for counter repayment, it can be received on the same day or within two hours.

2. If it is the entry time after credit card consumption, it can generally be entered within 24 hours.

China Merchants Bank Credit Card:

Most credit cards of China Merchants Bank are free of annual fees in the first year. If you swipe your card six times in that year, you will be exempted from the annual fee for the next year. The amount of credit card swiping is not limited to six times, and the payment method is not limited. Whether there is integral transaction or not, as long as it is included in the bill.

However, some credit card types of China Merchants Bank do not provide the annual fee exemption for card swiping times or the policy of exchanging credit card points for annual fees: business card (rigid charge 100 yuan/year), elite business card (300 yuan/year), corporate purchasing card (100 yuan/year), and American Express card series of China Merchants Bank (American Express Gold Card and American Express Business Gold Card 380 yuan/year, American Express Gold Card).

There are also some credit card types of China Merchants Bank. Although there is no annual fee for the number of swipes, you can exchange the points obtained by swiping the card for the annual fee: VISAMINI dual-currency credit card and special-shaped car card; The annual fee for the main card of China Merchants Bank Classic Platinum Credit Card is 3,600 yuan/year, and the annual fee is free in the first year. You can exchange the points of China Merchants Bank Credit Card with 654.38+100000 for the annual fee of the next year. The annual fee of its supplementary card is 1800 yuan/year, which can be exchanged for the annual fee of the following year with 5000 credit card points of China Merchants Bank.

In addition, there are other credit card types of China Merchants Bank, and the annual fee is exempted after the total transaction amount and times of swiping the card: the annual fee of the main card of China Merchants Bank's exquisite platinum card is 800 yuan/year, and the annual fee is exempted in the first year, and the consumption in the second year reaches 80,000 and 20 times. The annual fee of its supplementary card is 300 yuan/year, the first two cards are free of annual fee, the third card is free of annual fee in the first year, and it is consumed 30,000 times in that year, 10 times, and the annual fee is free in the next year.

After forgetting the repayment date of the credit card, you can inquire in the following ways:

1. Call directly on the credit card, and then transfer to manual customer service;

2. Log in to an electronic bank, such as an ICBC card. You can search for "ICBC Electronic Banking" and find official website to log in and inquire about the repayment date;

The repayment date can be found through the electronic bill sent by the bank.

Advantages of all-currency international credit card of China Merchants Bank;

1, no additional conditions, free of annual fee for life;

2. All foreign currency transactions (including credit cards, online shopping, and withdrawals) automatically purchase foreign exchange, enter RMB accounts, and repay RMB, which is simple and convenient;

3. Reduce the currency exchange fee for cross-border transactions.

Disadvantages of China merchants bank's all-currency international credit card;

1, Visa single channel, without UnionPay logo, can't use Alipay for repayment, and domestic non-Visa channel credit cards only support China Merchants Bank Pos machines;

2. Currency conversion is settled at the exchange rate of China Merchants Bank, which is on the high side;

3. China Merchants Bank has fewer credit card preferential activities and less preferential efforts.

How long does it take to get the credit card?

There are only two ways to use a credit card, one is to spend by credit card and the other is to transfer money. Under normal circumstances, the credit card arrives in two minutes. Credit card consumption also has a certain relationship with credit card pos machines. Generally, UnionPay credit card readers can only receive the account the next day, while third-party credit card readers are generally special users with a relatively large amount, and receive the account within 3 days. If it is a credit card transfer, if the transfer destination matches the provided account number, it will arrive within 24 hours. In case of non-conformity or special circumstances, the agent bank will return it within 24 hours.

First, the top ten "benefits" of credit cards

We pay by credit card. In fact, the bank pays the merchants first, that is, we spend it first and then pay it back, so our cash can be used flexibly. For example, we can put it in the bank to generate interest or invest in financial products such as funds and stocks, with a buffer time of at least one or two months. Of course, be good at investing; Otherwise, there will be no money to repay on the repayment date, which will affect personal credit.

1. Less gratitude

When you are in urgent need of cash, you can overdraw your credit card if you are embarrassed to ask your relatives and friends. Although the interest rate is like five ten thousandths, you can weigh it yourself.

2. Relative safety

Try to swipe your card when you spend money, so you can bring less cash-even if it is stolen or lost, it can reduce the loss. If the cash is lost, the possibility of getting it back is slim; But credit cards are different. Even if it is stolen or lost, we can find the loss report at the first time. Even if your credit card is stolen without a password, it is much easier to trace it-because every credit card has a record, not to mention the bank will bear the loss 48 hours or even 72 hours before reporting the loss. In addition, if you spend in cash, you may get back the counterfeit money at one time.

Keep clean and hygienic.

With a large cash flow, you can imagine the bacteria on the coin, and the credit card has been touched by several cashiers except yourself-even if the credit card is dirty, it can be disinfected and cleaned.

be economical

Many banks' credit cards have cooperation or promotion with merchants, such as returning the existing discount by swiping the card, watching a movie or eating western food with a 15% discount. In addition, credit card points can also be exchanged for some gifts in daily life, and there are even some lucky draws.

promote

If there is a "VISA" or "MasterCard" logo on the credit card, you can spend it directly abroad, and the savings card or cash must be exchanged first; In addition, it is also convenient to book air tickets, hotels, telephone or online shopping and car rental with credit cards, but savings cards may not have this benefit-because credit cards have the function of "pre-authorization" in addition to direct credit card swiping; There is also the embarrassment of not changing.

6. Relieve economic pressure

If there is a certain economic pressure to pay a large amount of consumption at one time, you can use a credit card to pay in installments and enjoy your favorite items in advance; Although you need to pay a certain handling fee, I think it's worth it compared with enjoying the intangible value produced by half a year or even a year in advance. Of course, spending in advance should be done according to one's ability.

7. Accumulate personal credit records

More use of credit cards and timely repayment can improve the credit limit and credibility. At the same time, the people's bank of China's personal credit database will have your good credit record, and it will be much easier to approve loans to buy a house and a car in the future.

8. Apply for supplementary card

If you apply for supplementary cards for family members, especially children, you can basically grasp their financial status such as consumption expenditure, which is convenient for educating children about financial management and consumption awareness.

9. Easy financial management

After the billing date, we will receive a detailed consumption bill in the form of paper or email. From the bill, we can clearly understand our consumption and expenditure last month.

10. Additional benefits

Some credit cards also provide free accident insurance, medical insurance, trailer and car wash, enjoy the service of VIP rooms in banks or airports, and can also exchange benefits such as voyage and gasoline points.

Second, the seven "disadvantages" of credit cards

There is no disadvantage in the invention of credit card, but some users can't use it, which leads to the disadvantage of credit card, just like a knife. "Good guys" use it to cut wood, and "bad guys" use it to kill people.

1. Blind consumption

Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water. However, what to buy and what not to buy can be treated irrationally?

2. Excessive consumption

Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether your salary is just a drop in the bucket when you repay next month.

3. High interest rates

If you can't take good care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks, and you can only blame yourself.

4. an annual fee is required

Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; On the contrary, the savings card has received a small fund management fee since 2006, and it has to pay one or twenty yuan a year. If you apply for a credit card and can't swipe it three or five times a year or don't know it, then the bank will charge you an annual fee.

Step 5 steal brushes

Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses; But in fact, credit cards can also use passwords to apply for spending-it depends on how you manage credit cards.

6. Affect personal credit records

Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. It will be difficult to buy a house and a car with a loan from the bank in the future-but if you don't want it, you won't be able to manage money yourself.

7. repayment difficulties

Going to the bank every month is often overcrowded; In fact, there are only savings cards with online banking, and you can repay credit cards for free without leaving home through the Internet, such as "quick money" and "Tenpay".

Criminals use the acquaintances of social networks to let cardholders relax their vigilance. The front and back photos of the credit card are required to get the credit card, the expiration date and the last three digits on the back of the card, because these three information can be paid online.

Then, what information on the credit card can't be leaked, and how to avoid falling into the trap of criminals?

(1) Don't send key information such as credit card password, the last three digits on the back of the card (credit card security code CVV2), expiration date and dynamic code. It's easy in any social network.

(2) In case the credit card is stolen, you can go to the nearby ATM to inquire or withdraw cash, and keep the receipt to prove that neither the cardholder nor the credit card belongs to the stolen credit card place, but was stolen by others.

How long does it take for the Bank of Communications credit card to arrive?

The entry time is usually the next day. The entry date of the credit card is not the day of swiping the card. Generally, it will not enter until the merchant completes liquidation.

One; Bank of Communications (English BCM, Chinese Bank of Communications) was established in 1908. It is one of the six largest banks in China, one of the oldest banks in China and one of the modern note-issuing banks in China. 1 987 April1day, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank in China, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007.

Second; Bank of Communications is one of the major financial service providers in China, covering commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services. There are 235 domestic branches of Bank of Communications, including 30 provincial branches, 7 directly affiliated branches, 99 provincial branches/kloc-0, and 3,270 outlets in 239 cities above prefecture level and 158 counties or county-level cities. It owns seven non-bank companies, including wholly-owned subsidiaries of Bank of Communications Leasing, Bank of Communications Insurance and Bank of Communications Investment, and holding subsidiaries of Bank of Communications Fund, Bank of Communications Guo Xin, Bank of Communications Life Insurance and Bank of Communications International. In addition, Bank of Communications is the largest shareholder of Changshu Rural Commercial Bank and also the largest shareholder of the bank. Strategic shareholding in Hainan Bank, holding four rural banks.

Third; 20 19 July, Fortune Global 500 released: ranking 150. "Belt and Road" ranking of China enterprises 100. 20 19 February, 65438 was selected as the brand of China Brand Power Festival 100. In March 2020, it was selected as one of the top 500 global brands.

The personal business of Bank of Communications includes: savings deposits, personal loans, foreign exchange services, financial planning, investment services, insurance services, convenience services, wealth management, private banking and other services.

Fourth; The company's business includes: banking financial engineering, tax payment, cash management, asset custody (securities investment fund custody, national social security fund asset custody, insurance fund custody, brokerage/directional asset management plan custody, enterprise annuity custody, international custody, trust fund custody, private equity fund custody, etc. ), investment banking and financing business (accounts receivable transfer, guarantee business, loan commitment letter, credit certificate, buyer's discount business or agreed interest-bearing bills. Discount of commercial bills, lending business of foreign government loans, domestic and foreign currency fixed assets loans, export tax rebate account custody loans, corporate account overdraft, domestic and foreign currency liquidity loans, interbank credit asset buyout business and interbank credit asset repurchase business).

Five; The business of small business users includes: loan application, one-stop business service, exhibition service, Zhuoye one-stop business service, investment and financing, tax financing, branch loan service, hand-in-hand service, and benefiting farmers service. International business includes: inter-bank services, international business services, foreign exchange financing services and foreign exchange trading services.

This concludes the introduction of how long it takes for a credit card to reach Takuwa. Did you find the information you needed?