What is the credit card limit of China Merchants Bank?

What is the maximum credit card limit of China Merchants Bank?

The credit card quota of China Merchants Bank varies according to the types of cards. The list is as follows:

1. The credit card limit of China Merchants Bank is 1000 yuan-10000 yuan.

2. The gold card amount of China Merchants Bank's credit card is 10000 -50000 yuan.

3. The amount of platinum card of China Merchants Bank credit card is generally more than 50,000 yuan, and the maximum amount can reach more than 200,000 yuan.

4. China Merchants Bank's credit card limit is the same as Platinum Card, which is more than 50,000 yuan, and there is no specific upper limit.

If customers want to inquire about the credit card limit of China Merchants Bank, they can use the following methods:

1. Telephone inquiry: customers can directly call the credit card service hotline of China Merchants Bank at 400-820-5555, and then transfer to manual service to apply for inquiry from customer service staff. After the customer service staff verifies the identity of the customer, they will help with the inquiry.

2. SMS inquiry: customers can directly use the mobile phone number reserved when handling the card to send an inquiry application SMS to 1065795555 (mobile) or 95555 (China Unicom, Telecom) for inquiry, and reply "# ed" to inquire about the available credit card amount.

3. Mobile Banking/Online Banking Inquiry: Customers can log in to China Merchants Bank Mobile Banking on their mobile phones, click "My", then click "Credit Card", then click "Account Management" and then click "Account Inquiry" to inquire about the card amount. The operation steps of online banking are similar. After logging in to online banking, click to enter the personal account page, and then click "Account Management → Account Inquiry" to see the card limit.

4. Credit card APP "Pocket Life" query: Customers can log in to China Merchants Bank's credit card APP "Pocket Life", click "My", and then click "Credit Line" to query information such as fixed credit line and available credit line.

How to increase the credit line of China Merchants Credit Card?

Compared with other banks' credit cards, it is relatively easy for China Merchants Bank to increase the credit card quota. It usually takes more than three months to apply for credit card withdrawal, and the temporary limit can be extended. At first, the card may be 3k- 1w, but some card friends have increased the quota to 5w a year in stages, and some have temporarily exceeded 10W. Today, Bian Xiao will share with you the ways to increase the credit card limit of China Merchants Bank.

1, spending more on credit cards.

China Merchants Bank still attaches great importance to the number of consumption, and the key is to be tolerant. If you use a large amount casually, you must choose a merchant with points. Try to diversify (multi-region, multi-period and multi-merchants), and the frequency of swiping cards must be higher. Banks can make money for a long time, and it is only a matter of time before they increase the quota.

2. Scaffolding

That is, the bill needs to be divided into installments, and the number of installments is just 12, so it is not necessary to divide it into too long installments. The limit should be moderate, don't put all the credit cards in stages!

Staging can earn some fees for banks, which is of great help to increase the quota. Of course, I would like to add that China Merchants Bank's bill installment basically has activities every month. Specifically, you can go to Pocket Life to check.

3. Make full use of temporary quotas.

Some card friends use little tricks better, often temporarily. Some people worry that the fixation will not be improved after using temporary ones. When they have a temporary quota, they will spend as much as possible, and they will not use it up for the time being. How do they adjust their fixation for you? They often adjust the fixation for you, which means you can almost handle it. So keep brushing. Sometimes temporary and fixed time are together, so be sure to pay attention. Increasing the temporary quota will lengthen the fixed period, so we must grasp the time.

What is the credit card limit of China Merchants Bank?

As a well-known credit card brand in China, China Merchants Bank has a large number of preferential activities. So, what is the credit card limit of China Merchants Bank? What are the skills to increase the amount to follow? Share the relevant knowledge with you today.

Credit card limit of China Merchants Bank

Credit card limit refers to the maximum amount that a credit card can overdraw. Different credit card levels have different credit card limits. The credit card limit of China Merchants Bank is briefly introduced as follows:

General credit card limit: RMB 3,000 to RMB 65,438+RMB 0,000;

Gold card amount: generally 654.38+0,000 to 50,000 yuan;

Platinum card quota: more than 50 thousand, hundreds of thousands, millions;

Unlimited number of cards: up to several million.

Pay attention to the first application for China Merchants Bank credit card.

The initial credit card limit is determined by the information submitted by the applicant and personal credit information, and the bank will make a comprehensive score with reference to various factors during the audit. When applying for China Merchants Bank credit card for the first time, it is suggested that the applicant prepare some financial certificates, which will help to issue a higher limit.

Financial proof can be a payroll record issued by a bank, an income tax withholding certificate (tax payment certificate), or a document that proves the market value of a house, car, deposit and investment, all of which can prove your financial level.

It should be noted that the real estate license must have the name of the person or spouse or minor children, and there is a proof of relationship; Applicants who provide real estate licenses must also submit copies of any water, electricity and coal invoices in the past 3 months; My name must be on the driver's license.

Credit card withdrawal skills of China Merchants Bank

1, spending as many times as possible. For transactions with an average of more than 10 per month, it is easier to withdraw cash for transactions with more than 20 transactions;

2. The larger the credit card amount, the better, and the total consumption within half a year accounts for at least 30% of the amount;

3. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for increasing the quota;

4. The less wholesale and large-scale consumption such as buying houses and cars, the easier it is to raise the amount;

Summary: The credit card limit is mainly determined by the applicant's credit, but banks will refer to different factors in the audit process. What is the credit card limit of China Merchants Bank? It is also related to the conditions that the applicant has to apply for a card. If you want a high credit, the above skills can help you get a high credit. Express card application entrance

How many credit cards does China Merchants usually have?

The credit cards of China Merchants Bank are divided into three grades: ordinary card, gold card and platinum card. Generally, the average card amount is between 3000- 10000 yuan, the gold card amount is between 10000-50000 yuan, and the platinum card amount is above 50000 yuan.

The specific credit card limit is evaluated by the bank according to the information provided by the applicant and the personal credit status. If the applicant's credit status is good, the credit limit will be higher, and the final credit limit will be subject to the audit results.

Extended data:

China Merchants Bank (1987) was established in Shekou, Shenzhen. It is the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China and the first pilot bank to promote banking reform from outside the system.

Since it was first selected into the Fortune Global 500 in 20 12, it has been ranked among the Fortune Global 500 for seven consecutive years, and ranked 2 13 in 20 18.

2065438+On June 26th, 2009, eight banks including China Merchants Bank launched the first batch of enterprise information networking verification systems.

20 19 July, 20 19 released the Fortune Global 500 ranking 188.

20 19, 1 1, "Belt and Road" China 100 top enterprises ranked 85th.

20 19 12, China merchants bank was selected as the brand of 20 19 China brand power festival 100.

20 19 12 18, People's Daily's "China Brand Development Index" 100 list ranked 3 1.

In 2020, 65438+ 10 and 65438+March were selected as winners of 2020 Hurun to Shangyou products.

In March 2020, it was selected as the 74th in the Top 500 Global Brand Values in 2020.

In May of 20021year, it ranked 22nd in "20021Forbes Global Enterprise 2000".

China Merchants Bank is headquartered in Futian District, Shenzhen. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began its public offering in Hong Kong, issuing about 2.2 billion H shares and raising HK$ 20 billion. It was listed on the Hong Kong Stock Exchange on September 22. The net capital exceeds 290 billion, and the total assets exceed 4.4 trillion.

By the first half of 20 17, China Merchants Bank had more than 1800 domestic and overseas branches, set up service outlets in more than 30 cities in Chinese mainland/kloc-0, and had 5 overseas branches and 3 overseas representative offices with more than 70,000 employees. In addition, China Merchants Bank also wholly owns CMB Financial Leasing Co., Ltd. and holds China Merchants Fund Management Co., Ltd., holding 50% equity of China Merchants Cigna Life Insurance Co., Ltd. and 50% equity of Zhaolian Consumer Finance Company; Wing Lung Bank Limited and CMB International Financial Holdings Limited are wholly-owned companies in Hong Kong.

What is the credit card limit of China Merchants Bank? What is the credit card limit of China Merchants Bank? This concludes our introduction. I wonder if you found the information you need from it?