Question 2: What card is China Merchants Bank Card M? Hello, the main differences between our M+ card and the existing all-in-one card are: (1) Modern+:cool card face design exclusive to hipsters; (2) Money+:toll-free e-bank transfer fee, ATM inter-bank and off-site withdrawal fee and account management fee reduction; (3) Mobile+:There is a QR code on the card, so you can scan and query M+ card activities, and offer discounts anytime and anywhere. For details, please open the following link: cmbchina/...d045f0.
(If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support! )
Question 3: What does a card mean? China Merchants Bank Card is a debit card, quasi-credit card and debit card among credit cards, which is equivalent to a savings card. You can deposit money, withdraw money, pay wages, pay telephone bills and settle accounts.
Question 4: What's the difference between China Merchants Bank's credit card and all-in-one card? All-in-one card is a bank card. You must deposit money into your account before you can use it for credit card consumption, cash withdrawal, etc. There is a card management fee, and the monthly deposit is 1/ yuan, and the deposit is more than 10000, and the credit card repayment is bound, so no management fee is required.
Credit card is also a overdraft card, that is, when spending or withdrawing cash, you can spend directly without saving money first. Credit card is a problem of credit between banks. Credit cards can be spent abroad, but one card can't; The annual fee of credit card is very high, and now it can be reduced by some means, such as spending points or swiping the card several times (this is different according to the regulations of each bank)
The condition for handling a credit card is that you need some relevant documents, such as ID card, work permit, payroll, assets and so on. And you can only apply for a credit card if it is indispensable; However, one card only needs its own ID card, which can be used at that time, which is very convenient; The one-card card has no expiration date, but the credit card can only be used for 3 to 10 years, and a new card must be replaced. Credit card spending has points, which can be exchanged in kind on the relevant leaves of the bank. One-card card has no consumption points, depending on your personal situation.
Credit cards have a settlement date and repayment date every month. The settlement date is the total amount you spend this month, so that you can know how much you have spent. The repayment date is generally 10- 25 days from the settlement date (bank repayment is different). On the repayment date, be sure to pay off all the money spent before the closing date or the minimum repayment amount, so as not to bring you bad credit and legal trouble. Please do what you can with your credit card, and try not to overspend if you have no money to repay.
Do you have any questions to ask me?
Question 5: What is the difference between China Merchants Bank credit card and all-in-one card? All-in-one card is a bank card. You must deposit money into your account before you can use it for credit card consumption and cash withdrawal. There is a card management fee. There is no need to pay management fee for deposits or credit card repayment exceeding 1/ yuan and 10000 yuan per month. Credit cards are also overdraft card, that is, you can spend directly without saving money when you consume or withdraw cash. Credit cards mean credit problems between banks. The annual fee of credit card is very high, and now it can be reduced by spending points or swiping the card several times (this varies according to the regulations of each bank). The conditions for credit card processing are that ID card, work permit, payroll, assets and other relevant certificates are required, and credit card processing can only be carried out if they are indispensable; However, one card only needs its own ID card, which can be used at that time, which is very convenient; Smart cards have no expiration date, but credit cards can only be used for 3 to 10 years, and new cards must be replaced. Credit card spending has points, which can be exchanged in kind on the relevant leaves of the bank. Smart cards have no point of consumption. Get a card and see your personal situation. Credit cards have a settlement date and repayment date every month. The settlement date refers to your total consumption this month, so that you can know how much expenses you have incurred. The repayment date is generally 10- 25 days from the settlement date (bank repayment is different). On the repayment date, be sure to pay off all the money spent before the closing date or the minimum repayment amount, so as not to bring you bad credit and legal trouble. Please do what you can with your credit card. If you have no money to pay back, try not to spend too much. You can ask me any questions.
Question 6: What is the use of activating China Merchants Bank Card? "All-in-one Card" is a debit card issued by China Merchants Bank (that is, a savings card, which needs to be deposited before use, and has no overdraft and cash advance function), and it is real-name registration system's personal financial basic account. It integrates demand, multi-deposit, multi-currency and multi-function, and has more than ten functions such as ATM deposit and withdrawal, merchant consumption, self-service payment, self-service transfer, bank-securities transfer and online payment. It is a card with comprehensive financial management function. All-in-one card can be used to collect salary cards (including co-branded cards, IC cards and M+ cards). If it is used for salary payment, you can provide account number, name and other information to the relevant departments of your company.
Question 7: What's the difference between China Merchants Bank Card and Netcom Card? One Netcom is a unique debit card of China Merchants Bank, and the other Netcom is a payment scheme of China Merchants Bank on the Internet. You can apply with one card and give you a separate account number (which can be bound with one card) and password.
At present, the online banking online payment platform supports China Merchants Bank's full netcom/professional edition/credit card online payment.
The "one-card payment" on the left side of the online payment center of China Merchants Bank refers to the professional version, and the "one-card payment" on the right side refers to Netcom.
"Online Personal Banking (Professional Edition)" is a new function of online financial services provided by China Merchants Bank for "One Netcom" customers. Its functions mainly include: online remittance, online transfer, online payment and account management. For other contents besides online payment, please visit the website of China Merchants Bank (cmbchina). To use online personal banking (Professional Edition), you must first download and install the client software, bring your valid ID card and one-card card, and go to any local China Merchants Bank outlet for digital certificate authentication and other procedures.
China Merchants Bank's "One Netcom" is a popular electronic banking service that China Merchants Bank provides online consumer payment and settlement to customers through the Internet or other public information networks. As long as you open a RMB current account at China Merchants Bank and apply for opening the online payment function at any branch of China Merchants Bank or branch of China Merchants Bank, you can enjoy the convenient and fast online payment service and truly realize "online shopping without leaving home". Customers can use it directly on the browser without installing additional software, which is convenient and fast to use.
Question 8: What is the one-card M- 10 of China Merchants Bank? The one-card M+ card of China Merchants Bank belongs to debit card, including IC card and pure magnetic stripe.
The main differences between the M+ card of all-in-one machine and the existing all-in-one machine are: 1, modern: cool card surface design exclusive to hipsters (multiple choices); 2. Money: three months before the card is opened, the first two domestic ATM withdrawal fees will be reduced or exempted each month; 3. Move: There is a QR code on the card, and you can query M+ card activities and offers anytime and anywhere by scanning.
Question 9: How much is the M+ fee for one card of China Merchants Bank? Hello, the charging standard of account management fee for all-in-one M+ card (including DS cross-selling M+ magnetic stripe card) is 3 yuan/month (the former preferential policy of account management fee for Puka Head Office and branches does not apply to all-in-one M+ cards). If it is not activated, no account management fee will be charged, and it will be charged from the month after activation. (For example, the card is opened in June and activated in March.1No account management fee will be generated from October to March, and the account management fee will be collected in April. )
From 20 14 65438+ 10/month 1, the account management fee may be reduced or exempted if any of the following conditions are met:
1. If the average daily value of RMB assets of the cardholder (under the same customer number) exceeds 1000 yuan (inclusive) in the current month, all kinds of card discounts will be exempted.
2. Cardholders (under the same customer number) will be exempted from handling any card consumption or online/mobile banking transfer, payment, living expenses and credit card-related repayment (automatic repayment or card deduction transactions that occurred in the current month).
3. The signed wage account, pension account, subsistence allowance account, medical insurance account, unemployment insurance account and housing provident fund account are exempt from account management fees. Among them, the relief of wage account is controlled by the system program (the account management fee is reduced for the account that conducts wage transactions through our wage system within half a year). For example, if there is one (or more) trading agent in October1June, and the account management fee is reduced in October1June, and so on), the relief of pension account, subsistence allowance account, medical insurance account, unemployment insurance account and housing provident fund account will be set manually by the branch on the management information platform.
Scope of asset accounting: daily average total assets (including local and foreign currency demand deposits, local and foreign currency time deposits, estimated market value of third-party depository, open-end funds, national debt (including unmanaged), entrusted property, fund treasures, lucky money, paper, gold and silver, insurance entered in the bank-insurance system, and I financial account, etc. ) under the same identity document.
If you have any other questions, please visit the online customer service of China Merchants Bank (website: forum.cmbchina/...ncmu=0), and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!
Question 10: What is the function of the one-card M+ card of China Merchants Bank? All-in-one M+ card is a debit card, and there is no annual fee, but the account management fee is charged every month. The charging standard is unified as 3 yuan/month. From 20 14 65438+ 10/day, the management fee of the M+ one-card account can be reduced or exempted if any of the following conditions are met:
After the card is opened, if the average daily value of RMB assets of the cardholder (under the same customer number) exceeds 1 1,000 yuan (inclusive) in the current month, all kinds of card preferences will be exempted.
Handling any credit card consumption, online/mobile banking transfer, payment, living payment and credit card-related repayment (automatic repayment or intra-card payment transactions that occurred in the current month) will be exempted.
The wage account, pension account, subsistence allowance account, medical insurance account, unemployment insurance account and housing provident fund account that have been signed are exempted from account management fees.