Does not affect personal credit. If the system passes the preliminary examination, it will trigger an invitation for face-to-face signing by SMS, and the time limit for face-to-face signing is generally 30 days (subject to the SMS prompt). Failing to apply for a face-to-face interview within the time limit is regarded as an automatic waiver of the credit card application, and the credit card application cannot be submitted again through online channels within 90 days.

How to handle China Merchants Bank credit card;

You can apply in the following two ways:

1. Please log on to the credit card website (), select "Credit Card Application"-"New Customer Application Channel", apply for an appointment through the online banking platform of "Easy Appointment, On-site Service", fill in the simple appointment information online and wait for the bank's approval. If approved, experts will provide you with on-site service. If you want to handle the transaction in this way, please confirm your region first, and whether our bank can provide free door-to-door service (the result will be displayed after selecting the province/city/region);

2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person.

After receiving your application materials, the credit card promoter of China Merchants Bank will forward them to the audit department of the credit card center. It usually takes 10 working days from the receipt of your application materials by the audit department to the completion of the credit card audit. After approval, we will make a card for you within 2 working days, and then send it to you by registered mail according to the billing address. Generally, the sending time of registered letters is within 15 days. Please be patient.

How to cancel the credit card?

Credit card cancellation is simple. You can call the 24-hour customer service phone on the back of the credit card and ask the customer service to cancel the credit card. Customer service will handle it for you after verifying your identity. Or bring your credit card and ID card directly to the bank outlet counter for the bank staff to cancel.

Two things must be done before cancellation. The first is to ensure that credit cards have no arrears and overpayments. If there is any arrears, all the arrears can be returned. If there is overpayment, it can be withdrawn by cash withdrawal or credit card. Secondly, use up the points in the credit card to avoid wasting the accumulated points. You can exchange points for gifts in the credit card mall or give them to others.