One-card associated automatic repayment is free of one-card account management fee.
If China Merchants Bank card has been opened, you can apply for the automatic repayment service associated with China Merchants Bank card and get a card from you every month.
Credit card payment is deducted from the current account, and the actual amount deducted can be restored to your available limit on the day of deduction. Now you can apply for the management fee of one-card account.
◇ One-card-related automatic repayment methods can only use the one-card of the credit card host as the repayment account of the credit card, one-card and
The certificate number and account name of the credit card must be exactly the same.
You can choose your own repayment account in RMB or USD. The RMB repayment account must be a current account; US dollar repayment account can be selected.
RMB current cash account or USD current cash account.
◇ The automatic repayment amount associated with a card can be selected as full repayment or minimum repayment.
◇ Application method:
When applying for a credit card, check the automatic repayment field associated with a card on the application form to enable the automatic repayment function associated with a card;
Counter application: you can bring your one-card and credit card to the business outlets of China Merchants Bank to handle the opening procedures of one-card related automatic repayment.
95555 Telephone Banking: Call 95555 customer service hotline, select voice service, press "1" and then press "3", and follow the prompts.
Directly set an automatic repayment account number associated with the card.
800 Customer Service Hotline: Call the 24-hour customer service hotline at 800-820-5555, and press "5" and then "2" on the phone.
Directly set an automatic repayment account number associated with a card;
Online application: If you have applied for "Personal Banking Professional Edition of China Merchants Bank (Version 4.5)" or above, and your credit card has been cancelled.
For Professional Edition, you can associate an automatic repayment account with a card in the menu of "Credit Card Automatic Repayment Settings" in "Credit Card".
Settings;
◇ Note: After the one-card associated automatic repayment function takes effect, your one-card associated automatic repayment will be listed on your statement of the month.
Account number. The bank will deduct the credit card account of the current month from your designated account on the due repayment date, and you don't need to repay it yourself; and
Please check whether the account balance is sufficient before the due repayment date to avoid delaying repayment; If your account balance is insufficient, it will be
The account balance will be deducted to "0" yuan, and the rest will not be deducted separately. Please pay it back to your credit card account.
Online transfer repayment
If you have already opened a China Merchants Bank card, you can repay the credit card account through online banking, and reply in real time by transferring money.
Provide credit cards.
(1) If you have applied for "Personal Banking Professional Edition" on the one-card network, you can send a letter to any China Merchants Bank by using the "Transfer in the Same City" function.
Return RMB account by card transfer. Please log in to Personal Banking Professional Edition → select "Transfer in the same city" in "Transfer and Remittance", specifically.
Fill in the form as follows:
Payee's account name: fill in the name of the credit card holder.
Payee's bank: fill in "China Merchants Bank Credit Card Center"
Transfer to payee's account number: fill in 16-digit credit card number.
Remarks: Fill in "Credit Card Repayment"
Withdrawal password: fill in the withdrawal password of the card.
After confirmation, the system will prompt whether the transfer was successful and the transfer amount.
New features in Professional Edition: Professional Edition 4.5 has added the function of "Payment Plan" in "Financial Plan", which can help you set the expected daily payment.
A plan. In this function, you can select "Pay on a specified date" → Select the repayment date → Select "Transfer in the same city" and pay.
Fill in the information above. This function makes repayment more convenient and financial management easier.
(2) If you have launched personal banking professional version 4.5 or above on the one-card network, and handled the self-registration of one-card and credit card.
With the help of the transfer business, you can use the "credit card payment" function to transfer the payment from your US dollar cash account to your own credit card account.
(3) If you have opened the card of China Merchants Bank and handled the self-service transfer business of this card and credit card, log on to the website of China Merchants Bank.
You can repay your credit card account in RMB or USD through the "Transfer to Credit Card" function in the "Personal Banking Universal Edition" self-service transfer.
◇ Note: To apply for self-service transfer service, please bring your ID card, one-card account and credit card to China Merchants Bank, where the one-card account is opened.
Deal with it at an exit. To apply for Personal Banking Professional Edition, please bring your ID card and one-card to any branch of China Merchants Bank.
Telephone transfer repayment
If you have opened China Merchants Bank Card, you can call 95555 to repay the credit card account through telephone banking. The transfer money will be restored to you in real time.
Provide credit cards.
1) Apply for "quick and easy financial management" service, that is, from your one-card to your designated credit card through automatic voice service or manual service.
Return RMB funds by transfer. How to use "Quick and Easy Financial Management": dial "95555"-select "Automatic Voice" service-press.
"6" enters the function of "quick and easy financial management"; Or dial "95555"-press "2" to enter "Manual Service"-press "1"when prompted-and then press.
"1" can enjoy distinguished service.
2) Open the function of self-service transfer of all-in-one card and credit card, and you can choose the "transfer" service of all-in-one card through automatic voice service.
"One-card to personal credit card" means to transfer money to your credit card to return RMB or USD.
◇ Note:
To apply for "quick and easy financial management" service and self-service transfer function, please bring your ID card, one-card and credit card to your one-card account opening place for investment promotion.
Do it at any branch of the bank.
Self-service deposit machine (CDM/CDS) repayment
You can use the automatic deposit machine (CDM/CDS) of any branch of China Merchants Bank to insert a credit card and repay in RMB cash.
RMB account with card. Payment will restore your credit card available limit in real time.
Bank ATM transfer repayment
If you have opened the China Merchants Bank Card and the card has opened the ATM third-party transfer function, you can apply for intra-card transfer payment on the credit card at any ATM of China Merchants Bank where you open the card. Transfer money to restore your credit card available limit in real time. When paying, please insert the smart card and select "Transfer Transaction". The transfer account is your credit card number.
◇ Note: To open the ATM third-party transfer function, please bring your ID card and one-card to any China Merchants Bank where you open an account.
Network management.
Counter repayment of China Merchants Bank
Credit card RMB account and USD account can be repaid, and USD repayment can only be accepted by cash account transfer). You can take your credit card and withdraw it from the branches of China Merchants Bank before the due repayment date. If you already have a China Merchants Bank card or current passbook, you can also repay the credit card account by transfer.
Inter-bank transfer in the same city and remittance in different places
At the counters of other banks, you can repay your credit card by transfer or remittance.
◇ Inter-bank transfer in the same city: If China Merchants Bank outlets have been established in your place, please fill in the following methods when you transfer money at the counters of other local banks.
Write:
[The list of main business outlets of China Merchants Bank is attached to the card guide. ]
◇ Remittance from different places: If there is no outlet of China Merchants Bank where you are located, you can remit money to other bank counters for repayment. When remitting money,
Also fill in the following methods:
◇ Note: Please consult the transfer bank for the foreign exchange management regulations of the US dollar transfer business. Please check the specific transfer time and handling fee.
Tourism consultation.
Foreign exchange repayment
Except for transactions prohibited by national laws, US dollar bills generated in consumption abroad or by withdrawing foreign currency cash can be repaid by purchasing foreign exchange in RMB.
You can choose to purchase foreign exchange in full, or you can choose the minimum repayment amount or any amount lower than the current bill amount.
◇ Application method:
Telephone voice application: call the toll-free service hotline of China Merchants Bank Credit Card Center at 800-820-5555, press "5" first, then "1", and then click "0/"at.
Direct foreign exchange purchase settings on mobile phones;
Online application: If you apply for "China Merchants Bank Personal Banking Professional Edition (Version 4.5)" or above, you can use the "Credit Card".
In the "credit card purchase function settings" or "modify the current purchase amount" menu;
◇ Note:
After the application for foreign exchange purchase is successfully set up, the amount of US dollar bills can be repaid in RMB, and the person you deposited in the credit card
The RMB money will be used to repay the overdue part of your minimum repayment amount, and then used to purchase foreign exchange until all the amount you set is purchased.
According to foreign exchange management regulations, the amount of foreign exchange purchased cannot be higher than the amount of cash.
UnionPay ATM Inter-bank Transfer
China Merchants Bank's credit card has now opened UnionPay ATM inter-bank transfer business, providing you with more professional financial services anytime and anywhere. Opened cities include: Beijing, Shanghai, Guangzhou, Shenzhen, Xiamen, Wuhan, Nanjing, Shenyang, Hangzhou, Tianjin, Dalian, Fuzhou, Jinan, Kunming, Chongqing, Changsha and other 34 cities and surrounding areas, with more than 10000 ATMs, covering major large and medium-sized cities in China.
UnionPay ATM inter-bank transfer is divided into transfer-in and transfer-out transactions. You can handle the transaction of transferring bank cards from other banks to credit cards or transferring credit cards from other banks at the ATM of the bank that opened this service. The transfer-in transaction will restore your credit card available amount in real time, and the transfer-out transaction will be regarded as the cash advance transaction of the credit card.
Please consult the issuing bank and local UnionPay for specific business requirements such as ATM transfer function application and transfer limit of other banks' cards.
()
Detailed list of banks opened in various places
Counter to bank transfer
Shanghai "Counter Connect" Inter-bank Repayment
Credit card customers in Shanghai can repay their credit cards in RMB in 8 joint-stock commercial banks and nearly 200 business outlets participating in the "over-the-counter" interbank deposit business, and the payment will arrive on "T+ 1". During the trial operation of "Counter Connect" business, regardless of the repayment amount, only 2 yuan handling fee will be charged for each transaction; After the formal operation, the handling fee standard is 3 yuan per transaction. The actual repayment amount and handling fee will be listed separately on your bill.
At present, the banks that have joined this business are Shenzhen Development Bank, Guangfa Bank, China Everbright Bank, Huaxia Bank, CITIC Bank, Fujian Bank and Minsheng Bank. ()
Shenzhen UnionPay "Easy Payment" Credit Card Repayment Service
The credit card of China Merchants Bank opened the "EPay" credit card repayment business of Shenzhen UnionPay. Customers in Shenzhen can transfer the money from the debit card of any local bank to our credit card on the "Easy Service" terminal deployed by Shenzhen UnionPay to return the RMB account. Payment will be recorded on "T+ 1".
When you apply for credit card repayment through E-Pay, you don't need to go through any opening procedures, just follow the following steps:
Guangzhou "Yinjietong" inter-bank repayment
Credit card customers in Guangzhou can repay their credit cards in RMB at five joint-stock commercial banks and nearly 100 outlets participating in the inter-bank deposit business of "Yinjietong", and the payment will arrive on "T+ 1". At the initial stage of business development, customers are not charged any fees.
Banks that have joined this business are: Shanghai Pudong Development Bank, Industrial Bank, Minsheng Bank, China Everbright Bank and Huaxia Bank.
Kunming "Inter-bank Link" Repayment
China Merchants Bank's credit card has now opened the "inter-bank communication" business in Kunming. You can repay our credit card in RMB in 8 joint-stock commercial banks and about 60 outlets in Kunming, and the payment will arrive on "T+ 1".
At present, the banks in Kunming have joined this business: China Bank, Kunming Commercial Bank, Kunming Rural Credit Union, Huaxia Bank, CITIC Industrial Bank, China Merchants Bank, Shanghai Pudong Development Bank and Shenzhen Development Bank. (List of bank outlets that can handle inter-bank communication services)
Us dollar overseas remittance
The cardholder can remit the money to the credit card account of China Merchants Bank by telegraphic transfer, letter transfer or draft of any foreign bank. According to our remittance route guide, the cardholder only needs to fill in the payee's name (Mandarin Chinese Pinyin, that is, the English name on the credit card), the card number 16 digits and the name of the payee bank (China Merchants Bank) to complete the overseas remittance.
Specific overseas remittance routes:
◇ Note:
1. Please consult the remittance bank for the specific filling specifications of remittance application. If you have special requirements, please provide our remittance route for remittance.
Bank, please ask its staff to fill in the relevant forms for you to avoid mistakes.
2. In this way, other banks will charge a certain fee, and you need to bear the cost.
3. Repayment method Due to the long transit time of inter-bank transactions, please try to remit money 3 working days in advance.