1. The length of time is related to the materials and procedures you submitted. If the information is true and complete, the review time will be shorter. The bank will inform you after the approval, subject to the actual time.
2. For the application through the counter, it generally takes 10 working days from the receipt of the application materials by the audit department to the completion of the credit card audit. After the approval, the card will be issued within 2 working days, and then sent by registered mail according to the billing address. Generally, the sending time of registered letters is 15 days.
3. For online/mobile phone booking, the preliminary examination will take 7 working days. If the first trial is passed, there are three situations: the Commissioner will contact you by phone within 4 working days and arrange to apply for a card at home; Send a text message, visit any China Merchants Bank outlet within 30 days, and then get off the card after the interview is passed; Issue the card first, and sign the activation card at any China Merchants Bank within 60 days.
4. If it fails, you will be informed by SMS. If it is a two-card application, you can check the application progress within 5 working days after submitting the application directly online, and you can pay attention to the inquiry in the future.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, and the English name of Credit Card was stipulated.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).