Merchants YOUNG Card (Campus Edition)
Xiaobian ReviewExclusive for college students, accumulate personal credit from now on
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Annual fee policy: No additional conditions for annual fee during the validity period
Points rules: According to the actual amount of the account, every 20 yuan / 2 dollars, 1 point
The validity period of the points: Points are permanently valid
Cash withdrawal: The maximum cash withdrawal rate is 100%, the cash withdrawal fee is 1% of the cash withdrawal amount, and the minimum domestic fee is 10 yuan.
Minimum repayment ratio: 10%
Interest-free period: Minimum 20 days, up to 50 days
SMS notification: Domestic POS credit card consumption (including quick payment) of less than 300 yuan will no longer send reminder SMS, any amount of consumption will be reminded by the official WeChat
Lost card protection: China Merchants Bank Credit Card can enjoy 48 hours of loss before card loss protection service
Application conditions: If the applicant is a resident of the country, the age of the resident must be between 18 and 60 years old. If the age of the foreigner is between 25 and 60 years old, the applicant of the supplementary card must be the parent, spouse or child of the primary card. 18 years old or older)
Application materials: A copy of the ID card of the main card applicant, and a copy of the resident ID card for the domestic person. (Receiving domestic persons aged between 18 and 60. Foreigners aged between 25 and 60 applying for the main card) Passports of overseas persons or Hong Kong and Macao residents travelling to and from the Mainland, Hong Kong and Macao compatriots returning home permits or copying of mainland residents' passports to and from the Mainland And the proof of the residence permit or temporary residence permit copy of the work permit, such as: a copy of the work permit, the original work certificate issued by the work unit, a copy of the professional title, a copy of the professional qualification certificate, etc., in order to obtain a more accurate assessment and quota, It is recommended to provide other financial certificates (such as: bank payroll records, income certificates issued by the unit, income tax withholding documents, own real estate licenses, bank deposit certificates, etc.)
New household standard gifted Alpine trolley case
During the event, the new cardholders who successfully applied for and issued the China Bank's YOUNG card will be allowed to brush the card within the next two natural months after the card is issued. Each purchase will be over 188 yuan, or any single stroke. An installment of a total amount of 500 yuan in installments, or any of the China Merchants Bank handheld life card after repayment of credit card transactions, or any Apple Pay transaction, you can receive the Alpine trolley.
Cash withdrawal: The maximum cash withdrawal rate is 100%, the cash withdrawal fee is 1% of the cash withdrawal amount, and the minimum domestic fee is 10 yuan.
Repayment: The minimum repayment amount is 10% of the monthly bill, and the daily interest rate is 0.05%.
Liquidated damages: A repayment of less than the minimum repayment amount is subject to a 5% liquidated damages, and the minimum fee is 10 yuan / 1 US dollar.
Overrun fee: More than 5% of the credit limit
Overdue payment: The deposit amount exceeds the amount owed, and 0.5% is charged when taken out
Loss of charge: 60 dollars
Reissue card fee: 15 yuan
- Phase 3Phase 612 issues18 issues24 issues
For China Merchants Bank, I think it is one of the most cost-effective banks in all banks. Because China Merchants Bank credit card, as long as you say that you will use it well, his rate of withdrawal is very fast, and the amount of each amount is also very large, just like Xiaobian, now the credit card quota can already get 6w Fixed 12w temporary, and I used to have a new card for 3k. It took only 9 months to get such a result. Not much nonsense, directly above: So how did I get this result? Then how can China Merchants Bank credit card be processed to have a high quota and pass rate? How can China Merchants Bank Credit Card want to get the funds quickly? Everyone is welcome to listen to the recording below (ps: the code word is too tired, and the cultural level is not high, please forgive me) Dear friends, the above is my knowledge sharing for everyone, I don't know if it will help you. If you feel that there is something to gain, you are welcome to forward this article. If you feel that it is not helpful, please leave a message below this article, I will try my best to answer your questions, we will learn together and make progress together. Finally, let's share with you. After raising the quota in the previous two days, China Merchants Bank asked me to upgrade the Platinum Card as shown below:
When applying for a credit card, it is rare to hear that it was rejected because of the household registration, but there are card friends who reflect that this kind of thing does exist. The company organized a China Merchants Bank credit card, and it was rejected by itself and two other colleagues. Afterwards, it was known that it was all white. The reason why the white man applied for a credit card was rejected is because the white paper is a high-risk area for telecom fraud. In order to prevent risks, the bank will have this measure. The company handled the China Merchants Bank credit card in a unified manner, and three people were rejected. They were discovered afterwards because they were from Maoming, Guangdong. Recently, Guangzhou white-collar Wang Chao (pseudonym) complained to the New Express about his own experience and questioned China Merchants Bank’s alleged geographical discrimination. Case 1 The company collectively applied for the credit card of China Merchants Bank. All three employees of the white card were rejected. Wang Chao is a white man of Maoming Electric. After joining a trading company in Guangzhou Tianhe last March, he handled a China Merchants Bank savings card as a salary card. The monthly salary is also six or seven thousand yuan. “Our company and China Merchants Bank have cooperated. In October last year, the bank people came to us and asked each of us to apply for their credit card.” Wang Chao said that other colleagues’ credit cards were quickly issued, but including him. The three colleagues in the company have not received the credit card. Wang Chao said that he thought it was a problem with his own credit information, but the results of his subsequent credit search showed good results and successfully completed the credit cards of the other two banks. "I later learned that there are still two girls in the company who have not signed a China Merchants Bank credit card, and we are all electric white people." Wang Chao suspected that he could not handle credit cards and his place of origin. In the blink of an eye, in December of this year, Wang Chao planned to apply for a VISA dual-currency card because of his work needs, and added a WeChat credit card salesman's WeChat with the recommendation of a friend. "My friend is a Meizhou native. He successfully made a credit card in his (salesman). As a result, I asked him if he could do it. He returned a sentence and couldn't do it. He deleted it!" Wang Chao Very angry, "I think this is geographical discrimination. Some electric white people have indeed left a bad impression on the society, but China Merchants Bank should not sink a boatman." Case 2 I was admitted to Shenzhen when I was admitted to the civil service. I was rejected only because my hometown was three times. Coincidentally, Mr. Huang, who works in the personnel department of a public hospital in Shenzhen, has similar experiences. Mr. Huang came from Magang Town, Dianbai District. It was one of the areas where telecom fraud was carried out. Although he successfully passed the civil service examination in Shenzhen after graduating from university, his household registration has also moved to Shenzhen, but he is still deeply affected by his hometown. “In the middle of last year (2015), I started applying for the credit card of China Merchants Bank and applied for 3 times in a row.” Mr. Huang said that his last application was on March 22 this year, but the results of the three applications were “unapproved”. . "I went to the bank counter to ask, only told me that the comprehensive assessment did not pass, but I didn't want to tell me how to pass the law." Mr. Huang said that in desperation, he had to give up applying for a credit card in his daily life. Use only your own salary card. “Is this not geographical discrimination? It really caused a lot of inconvenience to our work and life.” Mr. Huang said. Visit "Electric white is more troublesome, and it will not pass for your application." Is the report reflected by the reporters true? Is China Merchants Bank really “seeing the other eyes” on Maoming’s white people? On the morning of December 20th, the reporter visited the China Merchants Bank in Tianhe District, Guangzhou as an ordinary consumer. After asking for the intention, the bank staff enthusiastically introduced the relevant requirements and steps for handling the credit card. However, when the reporter claimed to be a white person, the staff smiled helplessly. "Electric white is more troublesome, because there are restrictions on the (credit) card department, even if we apply for it, we will not pass it." The staff said that from about two years ago, China Merchants Bank was targeting the white-white customers. In the case of telecom fraud and credit card theft, the customers in the region have all been restricted. What is the case for China Merchants Bank to do this? "We have had a huge amount of money to steal credit card cases in China Merchants Bank, causing a lot of economic losses to the bank. At that time, there were hundreds of millions of losses, and the criminal gang was from the white." The staff said that she also felt that other white whites who were not criminals were innocent, but because of bank regulations, they were powerless. Since the credit card for the white-white customers is limited, why do they ask them to apply for a savings card? "The savings card does not involve credit problems, and the customers can handle the savings card normally. The bank can not be used for the purpose of avoiding economic risks. The white-hukou client handles the credit card.” The staff member said that at present, only the waiting for the credit card department of the China Merchants Bank to relax this restriction, it is also recommended that Maoming Dianbai customers temporarily choose other banks to apply for credit cards. Respond China Merchants Bank Credit Card Center I have not heard of similar regulations yet. At 6:30 pm on December 20, the reporters reported the matter to the China Merchants Bank Credit Card Center. The relevant staff of the center said that they have not heard of the restrictive policy of the credit card center to not issue a card in a household registration area. Reply after internal verification. “Every customer who rejects the card is in a different situation, we will make a comprehensive assessment for them to decide whether to issue a credit card.” The staff member said that the reason for the card refusal may “look similar but is actually not similar”, so Further internal communication and investigation are needed. Lawyer's opinion Can take certain measures for customers in a certain area, but can't be "one size fits all" because they are too lazy to check out. In response to this matter, Zhao Shaohua, a partner of Guangdong Yuding Law Firm, said that China Merchants Bank, as a commercial bank, is an enterprise that provides undifferentiated public services. As long as consumers meet the conditions for processing, they cannot restrict their credit cards for geographical reasons. “The practice of the bank violates the legitimate choice of this consumer group. It is a kind of geographical discrimination and cannot reflect the spirit of the Consumer Protection Law of China.” Then, what measures should banks take to prevent and control related risks? “In order to avoid their own risks, it is ok for commercial banks to adopt certain measures for consumers in a certain area. For example, it is possible to strengthen the review measures for the people. Consumers who handle the conditions will not be processed.” Zhao believes that banks should start from their own, strengthen internal prevention and control and customer review, but can not implement “one size fits all” because they are too lazy to identify. User opinion Commercial banks have the right to choose the transaction object In "Knowing", the New Express reporter found a discussion of similar incidents by China Merchants Bank. Many netizens believe that China Merchants Bank is not a monopoly enterprise. Therefore, its behavior does not constitute discrimination, but is a commercial behavior based on its own interests. "Only the subject of monopoly has discrimination. Only if there is a single choice, there is a situation in which it has to do something against the free will. If China Merchants Bank does not handle (credit card), there are four major banks, so this is not discrimination." A netizen said. An employee who claims to be a former employee of the China Merchants Bank interprets the benefits of the bank. "The essence of the bank is the operational risk. The restrictions on the handling of credit cards for a certain group of people can not be considered as discriminatory behaviors, mainly in the risk management. It can be understood that banks as profit-making organizations must pay attention to avoiding risks in their operations." Say. link Telecommunications network fraud crime Dianbai was once rectified by the Ministry of Public Security In May 2014, Maoming Dianbai was listed as the key social security area in 2014 by the Guangdong Provincial Comprehensive Management Committee in May 2014. In November 2015, it was listed as a new type of national crime against telecommunications networks by the Ministry of Public Security. One of the seven key remediation areas for the special action. After the police rectified, the white criminal case has a downward trend. At present, the number of telecom fraud reports in the Dianbai District has dropped from the average of 13 per month in 2014 to 2. Credit card application please stamp:
Merchants have been playing cards for so long, and they can always hear that someone has entered the dark room. The black house is just a kind of risk control adopted by the bank for cardholders. You don't have to worry too much. You can only say that your card habits are abnormal. Let me talk about my dark house experience today. What is a small black house? Can not increase the fixed amount, can not increase the temporary limit. What is a big black house? That is, the card suddenly cannot raise the fixed amount, the temporary amount cannot be increased, the cash can not be staged, and the bill cannot be staged. Xiao Bian has also been in the dark house. He has also been unable to work in Platinum. He has been tossing for nearly half a year. Today, I will share with you the process and experience. You can also try to solve the problem. Understand: The initial credit card of the university is 8k, and the lust of the lush years is always more than reality. Alipay has filled the credit card, frequent billing, and lived a day when it was not a card slave. The card is not used well, and the quota has been rising very fast. 8,000 to 20,000, 20,000 to 30,000. Growth: Later, I entered the circle and learned Leica. Barbarism and madness coexisted. I spent 100,000 yuan in 3 days. The points and mileage were flying together. The fixed amount reached 50,000, and the temporary quota reached 120,000. I didn't have a Platinum card. During the period, I experienced two classic white nets to release water. I have never graduated from cash in stages, and I have no chance to pay platinum. mature Platinum cards, no Platinum card investment is broken. Since listening to certain rumors and actively reducing the amount can trigger the cash staging to reach the standard, the result is that the quota is reduced and then directly enters the small black house and then does not come out. The first time the asset is up to standard application, the second day of tragedy. After stopping the card, I used the card to deliberately raise the card and applied for UnionPay white for 3 months. Immediately continue to apply for classic white, file the tragedy of the next day. After continuing to raise the card for 3 months, the temporary amount will be restored to the small black house, and I feel that I will return to the high-quality customer camp. The horse will apply for the classic platinum card and successfully get the card. The amount is not high, considering that you use the card in general, the threshold is 100,000. The phone adds diamonds and expresses white. Indifferent: After 3 days of Platinum, it is 600,000 ah, and the crazy years are running wildly. The temporary quota was given 160,000. After September 6, 16th, it slowly entered the small black house until the big black house after the policy reform. At the end of last year and recently, there were card friends who reported that the people in the black house were released on a large scale. Then, what common pits were accidentally locked into the black house? Reasons for entering the house 1. Cash staging: In the past, many people used the method of cash staging in order to quickly increase the quota. Although they graduated smoothly, they graduated into the dark house. 2, E loan: Multi-card friends used E to lend, and after the loan was paid off, they were locked into a small black house. 3, the card is abnormal: some card friends are too eager or the rhythm is not good, the method is wrong, when the card is used, the black room is entered, and when the wool is set, the black room is entered. Customers who do not have a Platinum card should be careful with the card, and entering the dark house will greatly affect the Platinum card. 4. Information anomaly: It may be caused by the expiration of simple ID information. 5. Overdue: Overdue and minimum repayments may also enter the dark house. 6, the total credit is too high: his credit card quota is too high may also appear into the dark room situation. This is a new situation that began to appear in the second half of last year. This is not easy to break. The cracking method is still normal card swiping, consumption, don't blow up, 7 or 8 percent, full repayment, more real consumption, more merchants and more small consumption, can spend more on the palm of life, occasionally do a few staging, overseas consumption has advantages But not so god, don't be superstitious. Move bricks directly, this is king! All of this is to increase the contribution and get rid of the dark house as soon as possible. The biggest impact of the small black house is that it can't stabilize the amount, and it reflects the lack of comprehensive score. You can look at your own APP, whether it exists in the small black house and don't know it. Keep a good card and keep it low. Liabilities contribute to the increase in card credits. Everyone is welcome to leave a message and share your own black house experience and the way to get out of the dark house. I wish you all, missed the black house!
All kinds of overseas big hair, under the big credit card news, welcome to pay attention to WeChat public number [木木说卡] Big hair is outside the country The best season in March, friends who travel in Hong Kong can see how to use the China Merchants Credit Card to superimpose 4 major overseas activities to win big gifts, receive a large number of points and 2 nights free hotel, friends who have a recent travel plan can arrange their plans! The four major events are superimposed and involved, suitable for high-stakeholder cardholders. See your own arrangements and itinerary plan. Envy the deep cardholders. Activity intersection: Pocket Life - Featured - See 5 times points in the drop-down point - Click on the point [very Hong Kong] entrance, activities are inside Activity 1: Every Friday, 6 days offline, the highest score is 5000 points. Each brush is 3 pens, and each pen is over 300 yuan and 3 pens lead 500 points, each household has a maximum of 2000 points; the consumption is over 20,000 yuan and then 3000 points. The activity time is June 30th, 18th, the points are valid until June 30th, 19th, the points need to be collected, the path in the above picture [very Hong Kong] entrance total consumption of 12 yuan 300 yuan + and a total of 20,000 yuan, finished 5000 points. Activity 2: Overseas credit card pen enjoy points red envelope Each household receives a maximum of 40 red envelopes. The larger the amount of overseas credit card, the greater the bonus red envelope. According to the first activity, the consumption of a single 300 yuan can reward 58 points, and the 1,000 yuan or more can receive 258 points. The maximum number of points will be 10, and the points will be valid until June 30, 19th. Online consumption is not counted. According to the 10 red envelopes per file (a total of 40 strokes, according to your own consumption), you can receive points 10* (18 + 58 + 158 + 258) = 4920 points after consumption, the points can be found in the "discovery - palm number - Enquiry on account manager, activity time until March 31, 18 Activity 3: Overseas consumption of 50,000 to send 2 select hotels worth two or three thousand Spend 30,000 yuan, send 1; spend 50,000, send 2. The price of the hotel sent is 1,500 yuan, the two can be worth 3,000 yuan, the recommended hotel has the following 3, the price of the query on the flying pig is as follows: Hangzhou Panhai Diaoyutai Hotel luxury: value 1500 yuan Hong Kong Excelsior Hotel upscale: worth 1600 yuan Beijing Huabin Fairmont Hotel Deluxe: Ctrip price 1000 yuan All the above hotels do not include breakfast. The event needs to be consumed with 62 UnionPay cards. The city card with 62 starts with the best consumption. The number is limited. Half a month is over. The number of places is only less than 100. It is still very rare to participate in this event. The quota is sufficient. After all, there is not so much overseas consumption. Ps: Activities do not require registration, activities include overseas online consumption, do not include overseas cash advances, through third-party payment transactions such as Alipay WeChat Activity 4: Hong Kong Suning's highest return of 1,800 yuan Miss Sisters who need Hong Kong's long-term electronics shopping ~ Hong Kong's overseas activities are superimposed. The rebate in Suning in Hong Kong is the highest. In Hong Kong, the highest consumption in Suning can be 1800 yuan. Resources can be moved! Single pen 3500 yuan, cash back 100 yuan; single pen 6000 yuan, cash back 150X yuan. If you want to combine activities 1, 2, 3, a total of 50,000 yuan, with a single pen of 3,500, the best, you can win most of the above activities. The strongest activity strategy, according to the event hotel 2, a total of 15 3500 yuan (52,500 yuan), the rewards are as follows: Activity 1 of 5000 points Activity 2 2580 points (up to 10 points red envelope per score file) Activity 2 of 2 nights hotel, worth 3,000 yuan Activity 4 of 1800 yuan cash back Use 1.5 times loyalty card base points = 52500/20*1.5=3928 points ———————— Hong Kong Suning consumes 52,500 yuan, and gets 11500 points (worth 1000 yuan) and two nights hotel (valued 3,000 yuan). The average person does not have such a large consumption demand and can only receive small consumption points and give it. Hong Kong Suning consumers (big yellow cattle);
China Merchants Bank's withdrawal is easier and more comfortable than other banks. This is mainly due to its easy-to-use system, flexible operation, and full self-service lift. What are the rules? Lao Ba Finance summarizes its own experience and some data collected, and hopes to help the card friends. In addition to some basic lifting skills, such as brushing a few cards a month, the next month's repayment date will be billed on time; from time to time to brush a few foreign exchange, Haitao; have the opportunity to brush a few temporary quotas, 3 months, 6 months (China Merchants Bank credit card 3 months to raise a quota), the amount will naturally come up. But these are far from being thirsty, or the old driver's method is faster. Log in to the CMB Credit Card Pocket Life App and enter the cash instalment. This page will display the maximum cash instalment amount. If the cash instalment amount is less than the available amount, I am sorry, you can only repeat the basic skills mentioned above and continue to experience. If the maximum cash instalment amount is greater than the available amount, congratulations, your CMB credit card can be quickly raised. Due to the basic quota, most of the small partners may not be able to graduate in a short time. But with this method, you can quickly and dramatically increase the amount of credit. The formula for calculating the amount is as follows (knocking the blackboard!): The amount to be paid after the cash instalment = the used amount + the cash instalment amount (the investment credit card can only be up to 60,000). The fixed amount of credit card is 25000, the remaining amount is 3000, the used amount is 22000, the cash is 38000, and the amount that can be mentioned is 60000=22000+38000. The amount of investment is still relatively stable and has a routine. If there is a temporary quota, the temporary quota will be raised first. If there is a temporary period of time, the fixed amount will generally be raised. If your temporary quota has been delayed, the amount of your cash instalment is quite high. You can try the following cash instalment method: First, determine whether you can use the current method Presupposition of the current method: cash instalment quota >= available credit Then you take out your mobile phone, open the China Merchants Bank app, and see your available credits and cash instalments: The cash is divided into 39,900, the available amount is 14.98 million, and the cash instalment >= available amount can be raised by cash instalment method. If the cash installment limit shows only 10,000, the cash installment <available amount, then white, then wait for the next opportunity! Exit, sleep! Second, the current Dafa, how much can my quota? You don't need cash instalment to recruit you to increase your quota to 50,000, which is called natural graduation; you can use the cash staging method to reach 60,000 yuan, and those who have won the classic white can also sleep with a quilt. The current quota increase formula: the amount of the amount after the cash instalment = the used amount + the cash amount (the maximum can only reach 60,000) What is the highest level of credit? Apply formula: 39900 (cashable installment amount) +2256.32 (used amount) = 42156.32 Third, the cash instalment costs are quite high, consider before using If you can't get it in one step, such a large-scale cash staging has the risk of getting you into the small black house of China Merchants Bank! Before the end of the installment, you may not be able to increase the amount! If you don't have obsessive-compulsive disorder, you don't have to mention the amount to 60,000, which is actually good! Some small partners want to reduce the amount of the installment as much as possible. After all, the handling fee is very high, so they try hard to swipe the credit card. In fact, as long as you use a credit card to go to major e-commerce to buy things, after you place an order, you can cancel the order. At this time, the quota has been locked, and the available amount can be easily reached to 2000 (the minimum cash order of China Merchants Bank is 2000, don't forget Ha), and then apply for cash instalment. After the successful amount is raised, the deducted amount will be returned to Cary. Not awesome!
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