Generally, consumption on the day the bill is issued will be included in the next month's bill, and you can enjoy an interest-free period of nearly 50 days. In the end, please refer to the actual bill display (excluding cash advances).
The current bill will not be displayed in the "Outgoing Bill Query" on the bill date, and it needs to be queried the next day.
For example, if the credit card statement date is the 5th, the final payment date is the 23rd, and the credit card consumption between March 5th and April 4th will be included in the April bill, which needs to be paid in April. Repay before the 23rd; if credit card consumption between April 5 and May 4 will be included in the May bill, you need to repay before May 23.
On December 3, 2002, China Merchants Bank officially issued the first international standard dual-currency credit card in China, ushering in a new era of credit card consumption for Chinese people. After more than ten years of struggle and growth, China Merchants Bank Credit Card has formed three major visions: "to be China's best payment experience provider, to be China's best consumer finance expert, and to be China's leading diversified marketing platform". At the same time, it has also Won many honors.
Adhering to China Merchants Bank’s business philosophy of “Changing because of you”, China Merchants Bank Credit Card has continuously refreshed cardholders’ card experience through product innovation and service upgrades, becoming a leading brand in the credit card industry.
In recent years, China Merchants Bank Credit Card has actively pursued digital transformation, forged ahead with determination, pioneered the construction of the financial Internet, and created a technological legend in the domestic credit card industry.
Application conditions
(1) Chinese residents, foreigners permanently residing in the country, and compatriots from Hong Kong, Macao and Taiwan who are over 18 years old, have full capacity for civil conduct, and have good credit can apply with Apply to the card issuer for a personal credit card master card with your valid ID. The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply to cancel the supplementary card at any time.
(2) Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic deposit account in a financial institution within China and has independent legal person status can submit a deposit account issued by the People's Bank of China. Apply for an organization card from the card issuer with the basic deposit account opening license and other supporting documents (if you need to apply for an international organization card, you must also have a foreign exchange settlement account). The qualifications of the company card holder shall be designated and revoked in writing by the legal representative of the company or his authorized person. The applicant unit shall bear all debts incurred by the unit card.
(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully according to the card issuer's regulations and submit relevant supporting documents required by the card issuer, and agree to the card issuer's request to any Relevant departments, units and individuals understand and inquire about the credit status of applicants, and retain and use relevant data.
(4) Based on the applicant's credit status, the card issuer decides whether to issue a card, whether to require the applicant to provide guarantee and the method of guarantee, determines the method and type of card collection, and the credit limit to be granted to the applicant, etc. . Unsuccessful application materials will not be returned.
(5) The ways in which the applicant provides guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract should be signed separately for guarantee. The scope of guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest of overdrafts within the credit limit and overdrafts beyond the credit limit, over-limit fees, late fees and recourse fees).
(6) After receiving the credit card, the cardholder should immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card for transactions, otherwise, the The cardholder is responsible for any losses incurred. The card issuer also provides cardholders with inquiry passwords and transaction passwords (i.e. cash advance passwords and card consumption passwords) through designated channels.