The application is considered successful, just wait for the bank to issue the card.

If a China Merchants Bank credit card passes the preliminary review, it means it has been approved. During the interview, as long as the application can be confirmed to be made by me, the card can be issued smoothly.

If the credit card application passes the preliminary review, CMB staff will proactively contact the applicant to go through the formalities at a bank outlet. After the interview is approved, China Merchants Bank will issue the card within three working days. Generally, the card will be sent by registered mail. The registered mail will be sent within 15 days. The card applicant can just pay attention to check it.

Extended information

Product Features Guide

1. There are many types of cards, with novel and beautiful styles, which are easy to attract people.

2. The service attitude of telephone banking is very good and very convenient.

3. E-banking and mobile phones are linked together and are relatively safe.

4. There will be an email notification for every purchase, and a text message reminder for every online transaction and general credit card transactions over 300 yuan.

5. Powerful online banking functions. The public version can be used directly. It has various functions such as querying bills and details, querying points, opening cards, setting online transaction limits, and self-service bill installments.

6. The annual fee for the China Merchants Bank credit card is waived in the first year. Generally, the annual fee for the next year can be waived after spending 6 times.

7. There is no annual fee for the China Merchants Bank Card, only an account management fee.

8. The account management fee is only for debit cards such as the China Merchants Bank All-in-one Card. If the China Merchants Bank All-in-One Card is bound to the China Merchants Bank credit card, the account management fee for the All-in-One Card will be waived, but the annual fee for the credit card will be waived. The exemption method is only valid if you consume more than six times (including six times).

9. A rich variety of activities and discounts, including Sanya and the Taotie Food Season, which cover all areas of life.

10. China Merchants Bank Credit Card launched a mobile life platform. You can use your mobile phone to buy movie tickets, recharge mobile phones, check nearby special merchants and provide discounts. More and better applications are being launched one after another.

Instalment payment

1. Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods purchased by the cardholder (or Service) consumption funds, and according to the cardholder's application, the consumption funds will be deducted from the cardholder's credit card account in installments, and the cardholder will repay according to the monthly account amount.

2. Most domestic banks have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill payments through the Internet, mail, etc. depending on the occasion. installment.

Shopping mall installment

1. Also known as POS installment, it means that cardholders go to shopping places, such as "malls" where installment can be carried out. When checking out, please show a credit card that supports installment payment at the mall and indicate that you need to pay in installments. The cashier will swipe the card on a dedicated POS machine according to the number of issues required by the cardholder (such as 3 issues, 6 issues, 12 issues, etc., a few shopping malls support 24 issues).

2. Note: Cardholder identity verification is required when making installment purchases in shopping malls, so remember to bring your ID card. Shopping mall installments are generally free of charge for three installments. The rates for 6 and 12 periods vary from bank to bank. Installment products can generally be purchased as long as they are normally sold in the shopping mall. In many cases, cardholders can also bundle multiple items together for checkout and then make installment payments.

Mail order installment

1. The cardholder receives the installment mail order catalog manual sent by the card-issuing bank (or the bank's online installment mall) and selects from limited products. Then order through the online installment mall, call or fax the mail order installment application form, etc. to the bank for installment mail order. There is generally no handling fee for mail order installments regardless of the number of installments.

2. However, due to the long ordering cycle (in many cases it will take more than 15 working days to get the product) and the relatively cumbersome returns and exchanges, it is recommended to make more comparisons before purchasing.

Bill installment

1. This is the most convenient installment method. Basically, all card-issuing banks can support this installment method, and the application is simple. Users only need to submit an installment application to the card-issuing bank by phone or other methods after swiping their card for consumption and before monthly bills are sent.

2. However, please note that each bank will stipulate some special cases. For example, speculative card swiping will not be successful in installments. So before proceeding with staging, be sure to read the staging manual carefully.

Reference: Baidu Encyclopedia-China Merchants Bank Credit Card