China Merchants Bank Puka is relatively easy to be approved and generally meets the following requirements:
1.1natural person aged from 8 to 60;
2. Have a stable source of work and income, provide bank running records for nearly three months, and the bank credit information system has no bad records.
In order to ensure the smooth approval of China Merchants Bank's credit card, you can pay attention to the following points:
1. Providing houses, vehicles and other assets as collateral can improve the pass rate;
2. Before applying for China Merchants Bank credit card, choose the appropriate credit card type according to the application requirements of the card type and the actual situation of the individual;
3. After the application, you will receive a call for a return visit, and pay attention to the details, especially the contents of the return visit and the personal information filled in must be consistent, but not inconsistent.
The application threshold of China Merchants Bank credit card is relatively low. As long as you pay attention to the requirements and details, there will be no great obstacles to approval.
Types of credit card products
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISA Card, American Express Card, American Express Card, JCB Card and Diner Club Card issued by five overseas groups (MasterCard, Visa International, American Express Card and Diner Club Card) are international cards.
Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.