Empty credit cards can't be staged, because there is a certain handling fee for staging, so the cardholder needs to ensure that there is a certain amount in the credit card. If there is a certain amount in the credit card, the cardholder only needs to apply to the bank for installment repayment after the bill date. There are many kinds of staging options, mainly cash staging and free staging. Among them, the cash installment mainly refers to the installment of the withdrawal amount, and the free installment is the installment of the statement.
Long-term empty credit card means that the monthly credit limit of users using credit cards is within 10% or used up. Long-term empty credit cards are not conducive to credit card withdrawal, and may also lead to credit card risk control. Users should avoid empty credit cards, and pay attention to maintaining a limit of about 20% when using credit cards.
As for the occasional empty card, there is no harm. Only a long-term empty card will make the bank feel risky, so as to strictly monitor the user's card use.
Generally speaking, if the card is always good, there is no bad card swiping behavior. Don't worry about credit card installment repayment, and the installment application can be passed. If you use your card well at ordinary times and diversify your consumption, you can continue to maintain good card habits in the future.
The code of China Merchants Bank is CMBCCNBS. CMBCCNBS is the SWIFT code of China merchants bank. If consumers have money dealings with overseas personnel or institutions, they can fill in the SWIFT code of China Merchants Bank Head Office, namely CMBCCNBS. If the remittance page requires filling in the SWIFT code of China Merchants Bank Branch, the specific SWIFT code is as follows.
China merchants bank Hefei branch swift code:CMBCCNBS 44 1.
China merchants bank Beijing branch swift code:CMBCCNBS 20 1.
China merchants bank Chongqing branch swift code:CMBCCNBS 245.
China merchants bank Fuzhou branch swift code:CMBCCNBS 382.
China merchants bank Xiamen branch swift code:CMBCCNBS 47 1.
China merchants bank Quanzhou branch swift code:CMBCCNBS 470.
China merchants bank Lanzhou branch swift code: cmbccnbs161.
China merchants bank Guangzhou branch swift code: cmbccnbs131.
China Merchants Bank has many specific Swiftcodes. Consumers can directly consult the local staff of China Merchants Bank, or they can query the specific Swiftcodes of China Merchants Bank through the SWIFT code query website. When consumers accept overseas remittances, they can directly use the address of China Merchants Bank Head Office to receive them, or they can accept them in other ways, and choose according to their own preferences.