How to renew China Merchants Credit Card when it expires?

China Merchants Credit Card will automatically expire after expiration and can be replaced.

China Merchants Bank provides card replacement notification service for its credit card holders, that is, when their credit cards are about to expire, they will receive repayment notification SMS and e-mail notification sent by China Merchants Bank.

The credit card replacement process of China Merchants Bank is as follows:

1. About one month before the due date, China Merchants Bank will remind cardholders to change their credit cards by SMS or email, and ask to confirm whether to change the payment address.

2. After confirming the delivery address, China Merchants Bank will send the new credit card by registered mail.

The Credit Card Center of China Merchants Bank informs the cardholder of the code of the registered letter by sending short messages, and the cardholder can check the status of the letter in official website Post Bar.

The postman delivers the package or picks up the card at the designated place.

5. After receiving the new credit card, remember to activate it in China Merchants Bank official website.

How to negotiate with the bank to solve the overdue credit card of China Merchants Bank?

There are two situations in which China Merchants Credit Card is overdue, and the cardholder can handle it according to the situation:

1. The overdue time is less than 3 days, and no handling is required. Credit cards have a 3-day repayment grace period every month, and no application is required. Paying off the bill or the minimum repayment amount within 3 days after the repayment date will not affect the personal credit record. For example, if the final repayment date is 5th, and the repayment is postponed to 24: 00 pm on the 8th of that month, it is normal repayment.

2. Overdue for more than 3 days will result in liquidated damages and interest, which will affect the cardholder's personal credit and subsequent loan application. If the overdue period is not caused by my own fault, the applicant may raise an objection to the lending institution or the credit information center and ask for correction. If you are not satisfied with the result, the applicant may initiate an administrative complaint to the Credit Management Department of the People's Bank of China or the Financial Consumer Rights Protection Department. If it is my own fault, then China Merchants Bank must truthfully submit overdue information in accordance with regulatory requirements.

In short, it is difficult to negotiate with the bank to solve the overdue credit card of China Merchants Bank, unless the overdue is not caused by my fault. It is recommended to fulfill the repayment obligation on time and bind the savings card to repay automatically.