China Merchants Bank Student Credit Card

China Merchants Bank Student Credit Card

If you are a student and have never applied for a personal credit card master card of China Merchants Bank before, you can try to enter the campus version area through China Merchants Bank credit card official website and apply for a campus version credit card. After passing the preliminary examination, you can go to any outlet of China Merchants Bank in the city where the school is located by notification SMS with your ID card, and you don't need to submit other supporting documents. For example, League of Legends Credit Card Campus Edition is a credit card product for college students. Before graduation, the credit line will be temporarily closed. By recharging first and then spending, cardholders can enjoy the benefits of China Merchants Bank credit card such as catering discount, movie ticket discount, point accumulation, and the exclusive rights of campus credit card such as specific fee reduction and exemption. You can also accumulate personal credit information records from the time of study, and you will have the opportunity to enjoy a higher credit limit when you transfer your card after graduation. At present, we can't apply for installment temporarily, so we can borrow cash in advance.

What is the use of China Merchants Bank student credit card?

Users can enjoy the overdraft limit provided by the credit card after successfully applying for the credit card of China Merchants Bank. However, it should be noted that the credit card applied by students is limited by the overdraft withdrawal amount. China Merchants Bank's campus credit card is still relatively good for college students. After successfully applying for this credit card, the user can enjoy the right of free handling fee for the first two withdrawals every month.

Although the points of China Merchants Bank are difficult to accumulate, the things that can be exchanged accordingly are still relatively good. After successfully accumulating credit card points, users can choose the goods they want to redeem in their pocket life. What users need to know is that student credit cards are only for students at school, and ordinary credit cards are different. As long as you pass the bank's audit, you can apply for an ordinary credit card.

The function of college students' gender card;

Free remittance in different places: parents can withdraw money locally by depositing cash in different places without paying any handling fee.

Cumulative points for consumption: If you use a credit card to spend, you can accumulate points from the corresponding issuing bank, and the points can be exchanged for goods. The specific accumulation rules and convertible goods vary from issuing bank to issuing bank.

Establish a credit record: a good credit record is convenient for handling housing loans or other consumer loans in the future.

Pay first and then repay: after spending by credit card, the bank will collect the money after 20~50 days, and there is no need to pay any interest and fees during this period.

Installment shopping: you can apply for credit card installment payment when you buy big items such as your favorite computer, and the term ranges from March to 24.

What information do you need to submit to apply for a college student credit card?

Generally, you need to provide a copy of your ID card, a copy of your student ID card or the original certificate of your department. Some banks may also ask you to show other cards issued by the school.

What kinds of credit cards do college students have?

There are seven kinds of credit cards for college students, including Peony Student Card issued by Industrial and Commercial Bank of China, Longka Student Card issued by China Construction Bank, Youka Card issued by Agricultural Bank, Young Card issued by China Merchants Bank, Fantasy Card issued by Guangdong Development Bank, I Card issued by China CITIC Bank and Campus Credit Card of China Merchants League of Heroes being issued.

Is there an annual fee for the student credit card of China Merchants Bank?

The student card of China Merchants Bank is free of annual fee in the first year, swiped six times in the first year, free in the second year, and so on. The annual credit card fee of China Merchants Bank is RMB 100/year for ordinary cards and 300 yuan for gold cards. The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period below the credit card, and the previous date is the issuing date), not a natural year.

China Merchants Bank Credit Card Free Annual Fee Policy:

Annual fee-free policy: Puka Gold Card swipes 6 times (MSN card case, VISA-MINI card, VOGUE titanium card, NBA credit card (processed before April 2008), (Platinum card and unlimited card do not enjoy this annual fee-free method, and business credit card should be implemented according to the agreement).

Cash withdrawal fee: the minimum fee is 65,438 yuan +00% of each cash advance transaction in China (since June 5438 +0, 2009), and 3% of each cash advance transaction abroad. The minimum fee is 3 US dollars/transaction or 30 yuan/transaction (subject to current demand, regardless of different places in the same city).

Maximum interest-free period: up to 50 days. The final repayment date is 18 days after the bill date.

Multi-account management: limited bill repayment is enjoyed every day.

Online payment: Alipay: the single limit is 499.99 yuan, and the payment function of Taobao credit card is not limited by the amount. The maximum limit of credit card is one day (other websites depend on the limit of each merchant).

Merchant installment business: (exceeding the credit line) supports interest-free installment for specific merchants (3, 6, 12).

Bill installment: supports the installment of RMB and USD bills (including the installment of unbilled transactions and invoiced transactions). For the installment payment of RMB bills, the minimum application amount shall not be less than 300 yuan RMB each time; For the installment payment of USD bills, the minimum application amount shall not be less than USD 65,438+000 each time. From the day after the billing date to the final repayment date, you can apply through customer service hotline, online banking, interactive SMS, ATM, mobile banking, PAD banking, Pocket Life and other application channels.

Billing date: 3rd, 5th, 7th, 10, 12, 15, 17, 20th, 22nd and 25th of each month are billing dates, and cardholders can be replaced once every six months.

Card types: Puka (with a quota of 30,000-50,000), Gold Card (with a quota of1-50,000) and Platinum Card (with a quota of more than 50,000).

Currency: RMB, RMB/USD

In addition, if the applied credit card is not opened, the card will automatically become invalid after expiration, and the customer will not be able to renew the fee. If you don't need a credit card, you can also call the credit card customer service hotline of China Merchants Bank at 4008205555 and transfer it to the service specialist for cancellation. Cancellation is free.

What is the credit card student card quota of China Merchants Bank?

Generally, the minimum credit card limit of China Merchants Bank is 2000 yuan, and the maximum is 10000 yuan. But the final result is to determine the credit card limit according to the specific situation of the applicant and the certificate provided by the applicant. If the applicant's personal qualifications are good, the credit line will be correspondingly high. In addition, the cardholder has a good record of using the card, and China Merchants Bank will increase the fixed amount for the cardholder from time to time.

At present, most credit cards for college students are permanent cards, and the general authorization amount is 3000 yuan (because college students generally have no source of income). Online processing capacity of 3000; If it is handled offline, the credit card limit of the bank will be adjusted according to the cardholder's personal wishes and personal situation, floating between 3000-5000. The card will be sent by registered mail directly from the headquarters of China Merchants Bank, and it will arrive in about 3-5 working days after approval. Youth card campus edition: exclusive credit card for college students. You can only apply if you provide a school certificate. Like the academic requirements of the youth version, the applicant for the campus version of the youth card must be a college student. Unlike most credit cards issued by banks, China Merchants Bank's Young Card Youth Edition does not charge a handling fee for the first cash withdrawal every month, which is what young people value most. After all, many occasions have to take out cash.

China Merchants Bank Youth Card is almost the most appealing credit card among domestic banks at present, which shows that China Merchants Bank keeps up with the trend of the times and sincerely interacts with young people. Generally, the minimum credit card limit of China Merchants Bank is 2000 yuan, and the maximum is 10000 yuan. However, the credit card limit is ultimately determined according to the specific situation of the applicant and the certificate provided by the applicant. If the applicant's personal qualifications are good, the credit line will be correspondingly high. If it is handled offline, the credit card limit of the bank will be adjusted according to the cardholder's personal wishes and personal situation, floating between 3000-5000.

What is the use of China Merchants Bank student card?

The student card integrates the functions of work permit, library card, bus card, catering card, access card, wallet, passbook and so on. Every teacher and student in the school has a student ID card. This card replaces all or part of the functions of the previous certificate (including student card, work permit, library card, medical card, access card, etc.). ) Teachers and students can go in and out of the school. Work, activities and consumption can only be carried out with this campus card, and self-service deposits can be realized with bank cards. Campus card not only manages the daily activities of teachers and students, but also provides important information for teaching, scientific research and logistics services. Campus card is not a simple consumption card, it can be used in all aspects of campus management.

Campus management function:

All-in-one card has two purposes of campus consumption settlement and identity recognition, and will gradually replace campus documents such as catering cards, library cards/cards, computer cards and exam cards. The school gives the campus card the only means to settle the consumption of e-wallet on campus, and it is also the only medium for electronic identity identification in the campus information management system.

Financial service function:

Students holding special debit cards for banks can realize various services of bank cards, including withdrawing money at all bank outlets and ATMs of UnionPay, and spending money at POS machines in commercial, catering and entertainment places with UnionPay logo.

Students and their parents can make full use of the national deposit and withdrawal service of the banking industry to deposit living expenses and tuition and miscellaneous fees directly into campus cards in different places, thus avoiding the inconvenience of students carrying cash, parents remitting money and students withdrawing money every month.

Self-service inquiry:

In order to let students know about the use of campus cards at any time, multimedia self-service inquiry terminals are placed at school gates, dormitory areas, libraries and other places with heavy traffic, which can complete the self-service inquiry of comprehensive information such as campus card account balance, transaction details, scholarships, borrowing books, etc., and realize many functions such as spending, transferring, inquiring and recharging one card in all places on campus.

Generally, you need to hold a student ID card, and you need an annual inspection at the end of each year, otherwise it will be restored to an ordinary bus card. Mobile phone cards for students such as M-Zone and Youth Story. After the digital construction of campus student cards, many schools have issued student cards, which can be used to pay most or all of the expenses on campus. This kind of student card is equivalent to the bank card on campus, and it is also directly related to the student bank card in actual use.

The difference between China Merchants Bank student credit card and ordinary credit card;

1. The overdraft withdrawal amount is limited. The overdraft limit is very limited, for example, only ten yuan can be overdrawn, because students have no income and no solvency for the time being. For ordinary credit cards, the credit line will be comprehensively approved according to the applicant's income and other solvency, and the overdraft line will range from thousands to tens of thousands.

2. The types of cards are different. Student credit cards only refer to students at school, and ordinary credit cards are different. As long as you pass the bank's audit, you can apply for an ordinary credit card.

3. Banks that support student credit cards are limited. These include Peony Student Card issued by Industrial and Commercial Bank of China, Longka Student Card issued by China Construction Bank, Youka Card issued by Agricultural Bank of China, Young Card issued by China Merchants Bank, Fantasy Card issued by Guangdong Development Bank, I Card issued by China CITIC Bank and Campus Credit Card of China Merchants League of Legends. Ordinary credit cards have no bank restrictions, and you can choose the bank you need to handle according to your own preferences.

What are the requirements for applying for a student card of China Merchants Bank?

If you are a student and have never applied for a personal credit card master card of China Merchants Bank, you can try to enter the campus version area through China Merchants Bank credit card official website and apply for a campus version credit card. After passing the preliminary examination, you can go to any outlet of China Merchants Bank in the city where the school is located by notification SMS with your ID card, and you don't need to submit other supporting documents. For example, League of Legends Credit Card Campus Edition is a credit card product for college students. Before graduation, the credit line will be temporarily closed. By recharging first and then spending, cardholders can enjoy the benefits of China Merchants Bank credit card such as catering discount, movie ticket discount, point accumulation, and the exclusive rights of campus credit card such as specific fee reduction and exemption. You can also accumulate personal credit information records from the time of study, and you will have the opportunity to enjoy a higher credit limit when you transfer your card after graduation. You can't apply for installment temporarily, but you can borrow cash in advance.

So much for the introduction of China Merchants Bank's student credit card.