What is the Smart Credit Card of China Merchants Bank?
I believe many people are using credit cards. Credit cards, also called debit cards, are credit certificates issued by commercial banks or credit card companies to eligible consumers. A credit card is a card with the name of the issuing bank, date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then banks can settle accounts with merchants and cardholders, who can use them within the specified amount and repay them on time within the specified time limit.
SMART is a special credit card created by China Merchants Bank for young people. The annual fee of SMART credit card of China Merchants Bank is about 2 yuan, and the first annual fee is exempted. Then, as long as you swipe your card for five times, the next annual fee is exempted. The longest interest-free period is 6 days, and the credit limit is generally 5,. You can withdraw 3% of the credit limit free of charge. Moreover, the biggest advantage of China Merchants Bank's Smart Credit Card is that no matter whether it's local or off-site, or other banks, there is no handling fee for withdrawing cash, which is much more convenient than other types of credit cards.
Many people spend money in advance because of using credit cards. Card slaves, also known as card debt families, refer to people who use a lot of cash cards and credit cards, but can't afford to pay the amount, or have been paying interest money in the form of card maintenance. Because of irrational consumption, card slaves often rob Peter to pay Paul, and fall into a vicious circle of raising debts with debts, which eventually leads to the inability to repay the capital chain.
most people always feel very happy every time they swipe their cards, thinking that credit cards are convenient and do not need handling fees. If they go on for a long time, they will lose control of themselves more and more, and unconsciously, they will spend more money than they can afford. Many young people, in particular, always like to enjoy life and spend money in advance. Often, card slaves are such people. When they are unable to repay, they keep applying for credit cards, raising cards with cards, and raising debts with debts. The debt is also increasing, and finally they can't clean up.
I still want to remind you here that rational consumption, especially for credit cards, should be based on your own situation, so don't make impulsive consumption.
China Merchants Bank's credit card inventory
China Merchants Bank has successively launched various types of credit cards, so what are the characteristics of these credit cards and which one is more popular? I believe many card friends have doubts in this regard. The following is a big inventory of China Merchants Bank credit cards, and ranked from high to low.
first: YOUNG Card of China Merchants Bank (Youth Edition)
1. Annual fee: (1) Annual fee of 1 yuan;
(2) Free of annual fee in the first year, swiping the card for 6 times, unlimited amount, free of annual fee in the following year
2. Cash withdrawal amount: (1) 1% of the credit line;
(2) Free handling fee for the first cash withdrawal every month
3. Application conditions: (1) Only customers under 3 years old (including 3 years old) and not student customers;
(2) Suitable for fresh graduates.
4. rights and interests: (1) the bill can be repaid in installments and enjoy an interest-free period of 5 days;
(2) The consumption score in the birthday month is twice that in the normal month.
Second: China Merchants Bank standard credit card
1. Annual fee: (1) Annual fee for Puka 1 yuan/Jinka 3 yuan;
(2) Free of annual fee in the first year, swiping the card for 6 times, unlimited amount, free of annual fee in the following year
2. Cash withdrawal amount: (1) 5% of the credit line;
(2) Enjoy a cash withdrawal fee as low as 1%, with a minimum 1 yuan per transaction
3. Application conditions: The assets in all personal accounts of the same branch of China Merchants Bank (including the current term, current account, and the sum of market values of "Yinzhengtong", "Yinjitong" and certificate-based government bond accounts) can be applied if the total amount is converted into RMB 5,.
4. rights and interests: (1) interest-free installment repayment of goods; Enjoy an interest-free repayment period of up to 5 days;
(2) Repayment on time can accumulate personal credit;
(3) credit card spending can accumulate points, and even if the points are not used in the current month, they can be used in the next month, which is permanently valid.
third: China Merchants Bank Visa full currency card
1. Annual fee: free of annual fee for life
2. Cash withdrawal amount: (1) 5% of the credit line;
(2) 15% foreign exchange handling fee is exempted whenever and wherever you withdraw cash or spend money
3. Application conditions: (1) You can apply at least 18 years old;
(2) Suitable for overseas travel and online shopping users
4. Rights and interests: (1) It can be used for overseas consumption, and 15% foreign exchange procedures are exempted;
(2) Only VISA line transactions are supported.
fourth: HelloKitty fan credit card
1. Annual fee: (1) Annual fee of 1 yuan;
(2) Free of annual fee in the first year, swiping the card for 6 times, unlimited amount, and free of annual fee in the following year
2. Cash withdrawal amount: 5% of the credit line;
3. Application conditions: (1) You can apply at least 18 years old
(2) The card design is cute and interesting, and it is suitable for young girls.
4. rights and interests: (1) high-priced goods can be paid in installments, with simple procedures and no extra interest;
(2) Enjoy an interest-free repayment period of up to 5 days
Fifth: China Merchants Bank GQ co-branded credit card
1. Annual fee: (1) Annual fee in 1 yuan;
(2) Free of annual fee in the first year, swiping the card for 6 times, unlimited amount, and free of annual fee in the following year
2. Cash withdrawal amount: 5% of the credit line;
3. Application conditions: you can apply when you are over 18 years old
4. Benefits: (1) read GQ e-magazine for free at the same time
(2) you can pay for high-priced goods by installments, with the handling fee rate starting from .66% per month;
(3) Enjoy an interest-free repayment period of up to 5 days
Sixth: 3th Anniversary Edition and Card of China Merchants Bank
1. Annual fee: (1) Annual fee for Puka 1 yuan/Jinka 3 yuan;
(2) Free of annual fee in the first year, swiping the card for 6 times, unlimited amount, and free of annual fee in the following year
2. Cash withdrawal amount: (1) 5% of the credit line;
(2) No handling fee is charged for the first cash withdrawal every month
3. APPlication conditions: you can apply at least 18 years old
4. Rights and interests: within two months after issuance, you can get 1 credit card points from the Pocket Life App if your card is up to standard.
The above is the large inventory of China Merchants Bank's credit cards. I hope you can gain something. Card friends who want to run China Merchants Bank credit cards can choose one that suits them.
How to handle credit cards in personality cards
The situation of each bank is different
(1) Shanghai Pudong Development Bank can customize many types of credit cards
(2) China Merchants Bank, diamond credit cards and golden sunflower card customers with total assets of 5, can customize them
(3) China Everbright Bank, users who already hold China Everbright Credit Card, can apply for a dazzling number card when applying for the second card, which can be customized for 6 people
. UnionPay Constellation Gold Card can be customized for the last 6 digits
(5) China Construction Bank, Dragon Card can be customized for the fee
(6) Ping An Bank, and Diamond Card users can apply for customized debit cards
(7) Bank of Communications, and those with daily average assets of more than 5, yuan can apply for customized Ward Wealth Card
(8) hengfeng bank and Xinyi Card savings cards in personality cards, free of charge.
Second, China Merchants Bank
golden sunflower card, which is a platinum debit card of China Merchants Bank, supports independent choice of personality.
users can apply at bank outlets. It should be noted that the assets (deposit, fund, insurance, entrusted wealth management, national debt and third-party depository, etc.) in all accounts of the same branch of China Merchants Bank can be applied for when the total amount is equivalent to RMB 5,.
In addition, in terms of credit cards, China Merchants Bank Diamond Credit Card also supports customization.
iv. industrial bank
the unionpay constellation gold card (12 constellations) of industrial bank supports customized 6 digits, and different special card face technologies can be selected. The customization fee ranges from 66 to several hundred.
v. China Construction Bank
China Construction Bank's credit card supports a variety of card surface customization, including zodiac series, national tide city series, inspirational series, national tide auspicious, etc., and can also support the last 6 digits customization.
The credit cards that China Merchants Bank is worth handling should not be missed
As the leader of commercial banks, China Merchants Bank issues a huge amount of cards every year. It can be said that there are quite a few people who handle China Merchants Bank's credit cards, and many people around them have done them. Among the credit cards issued by China Merchants Bank, several credit cards are quite good. So today, I will introduce several credit cards that China Merchants Bank is worth doing.
The application threshold is low, and the card-issuing rate is extremely high: China Merchants Bank young Card
This credit card is specially designed for young people, and anyone under 3 can apply for it, with a maximum amount of 5,. Some netizens successfully applied for a card with a diploma and were approved for more than 1, quotas.
Benefits:
1. Cardholders can enjoy double points every day of their life, with a maximum bonus of 2, points;
2. The cash withdrawal amount is high, which is 1% of the credit line, and the first cash withdrawal every natural month is free of handling fee.
annual fee:
the annual fee is 3 yuan, and the annual fee for the first year is exempted, and the annual fee for the next year can be exempted as long as you swipe your card six times in a year.
High-end people must have:
First, China Merchants Bank American Express Centurion Platinum Card
This credit card has a variety of high-end rights and interests, but this card is usually invited by two banks.
Benefits:
1. Give the PP card unlimited times, and use it in the airport VIP room for unlimited times throughout the year;
2. You can enjoy 1 times points for spending on your birthday, and you can also enjoy the membership rights of major high-end hotels;
3. It can be redeemed for major air miles, and 1,5 points can be redeemed for 2, miles.
Annual fee:
The annual fee is 3,6 yuan per year, which is a rigid annual fee and cannot be reduced.
Second, China Merchants Bank Classic White
This card, like the Centurion Platinum Card, is a high-end credit card with various high-end products. Of course, the application threshold is also very high.
Benefits:
1. Various benefits of high-end hotels, such as 6 3 yuan +1 points stays in high-end star-rated hotels every year, etc.
2. Enjoy the VIP rights at the airport six times a year, and you can carry 1 as a companion at a time to enjoy the rights;
3. redemption of points for air miles is very powerful, which can be redeemed for domestic air miles at 15: 2 and asia miles at 18: 2.
Annual fee:
The annual fee is 3,6 yuan, which can be exchanged with 1, points or 2, credit cards a year.
suitable for car owners: China Merchants Bank CarCard car credit card
Car owners' credit cards are very popular nowadays. This card is a big card+small card model, and the small card can be directly hung on the key ring, which is very convenient.
Benefits:
1. Refueling at the designated gas station can enjoy 3% cash back discount and 5% cash back on Friday;
2. In addition to the basic points accumulation, 5% extra points will be given away;
3. Cardholders can get 1, yuan worth of self-driving accident insurance for free.
Annual fee:
Annual fee 3 yuan is exempt from the annual fee of the first year, and the annual fee of the next year can be exempted if you swipe your card six times in a year.
The above are a few credit cards that China Merchants Bank is worth handling. There are cards that are particularly easy to apply for, suitable for young people, high-end platinum credit cards, and cards suitable for car owners. The above four cards are quite good.
what is the Smart credit card of China merchants bank?
SMART is a special credit card created by China Merchants Bank for young people. The annual fee of SMART credit card of China Merchants Bank is about 2 yuan, and the first annual fee is exempted. Then, as long as you swipe your card for five times, the next annual fee is exempted. The longest interest-free period is 6 days, and the credit limit is generally 5,. You can withdraw 3% of the credit limit free of charge.
moreover, the biggest advantage of China merchants bank Smart credit card is that no matter whether it is in a local place or in a different place, or in other banks of our bank, there is no handling fee for withdrawing cash, which is much more convenient than other types of credit cards.
why is China merchants bank credit card called "card king"?
The excellence of China Merchants Credit Card is mainly divided into two aspects, the first is the right to use, and the second is the amount and financing.
As the first bank founded by an enterprise in China, China Merchants Bank deeply felt the pressure brought by state-owned banks at the beginning of its birth, so it was determined to become the largest private bank in the world from the beginning. Based on this, in the risk control system, China Merchants Bank has a completely different system and credit standards from other banks. One of the most distinctive features is the uninterrupted withdrawal of China Merchants Credit Card.
China Merchants Bank is the only bank in China that can continuously raise the amount. Various methods, such as "45-day graduation" and "cash installment", which have been touted by intermediaries, can make your China Merchants Credit Card graduate from the initial credit limit to over 15W to comprehensive financing of 5W, which is one of the important reasons why China Merchants Credit Card is called the card king.
Then, let's first look at the credit card withdrawal and financing of China Merchants Bank. In the credit card withdrawal, there are many factors that affect the credit card quota and the later credit quota. Including the grade of credit card, the type of credit card, the initial amount of the card, and even the personal debt ratio.
Among them, the lower the credit card level, the more difficult it is to upgrade the credit card's credit limit and comprehensive financing. We all know that credit cards include general cards, gold cards and platinum cards, which are relatively common. Of course, there are more advanced diamond cards and black cards. Then for credit cards, it is the most difficult to increase the credit limit of Puka-level credit cards.
in order to break through this hurdle, we usually choose to cancel the reaffirmation or curve 2 card and reach the gold card level or above, so as to better enjoy the convenience brought by the high credit card limit. However, China Merchants Bank's credit card is not restricted by this rule, and any credit card of any level can reach the limit of more than 15W.
There are also types of credit cards. The lower the cards are, such as game co-branded cards and business super-branded cards, the more difficult it is for these cards to upgrade their credit lines and raise comprehensive financing. The more high-end business cards are, the more powerful they are. All banks follow this rule, but investment promotion is still excluded.
any card that attracts investment can graduate perfectly, and the initial amount of the card, the potential of a credit card in the later stage and the difficulty of the latter stage have a great relationship with the initial amount of the card. The lower the amount of the card, the more difficult it is to increase the amount of the card in the later stage, except for attracting investment.
In other words, as long as you have China Merchants Credit Card, no matter what card type, initial quota or grade, you can graduate in full quickly, which is one of the reasons why China Merchants Credit Card is called the card king.
What kind of credit card is better for China Merchants Bank? There is always one that suits you.
With the development and popularization of credit cards, in order to occupy the credit card market, major banks are constantly innovating credit cards, constantly attracting the hearts of people who want to apply for cards with different preferential activities and points redemption rules. The same is true of China Merchants Bank, so which credit card is better for China Merchants Bank? Today, I listed a few better cards, and there is always one that is suitable for you.
which credit card is better for China merchants bank,