How to calculate the exchange rate of China Merchants Bank's credit card purchase of foreign exchange?
1. Repayment by purchasing foreign exchange: the exchange rate is the exchange rate announced at 1: a.m. on the day of repayment.
2. Purchase of foreign exchange by overpayment: Purchase of foreign exchange by overpayment applied before 16: every day shall be handled at the exchange rate of the day; After 16: , the overpayment for purchasing foreign exchange will be handled at the exchange rate of the next day.
3. RMB consumption is accounted for: according to the exchange rate announced by our bank at 1: a.m. on the day of each consumption accounting, non-US dollar transactions will be converted into US dollars and then converted into RMB by overseas card-issuing organizations (in the above process, overseas card-issuing organizations such as VISA and MASTER will charge foreign exchange fees).
please log in to the online banking public edition/professional edition for the specific exchange rate, and query in "repayment management"-"automatic purchase of foreign exchange in RMB"-"repayment function settings for purchase of foreign exchange in US dollar bills".
If you have any questions, please add credit card online customer service consultation:
QQ channel: search for "4825555" among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend (mobile QQ is not supported)
WeChat channel: search for the number "China Merchants Bank Credit Card Center" in WeChat and follow it; (Note: Web version of WeChat is not supported)
Is China Merchants Bank's all-currency credit card exchange rate cost-effective
cost-effective. China Merchants Bank's all-currency credit card exchange rate has no currency conversion fee, and the exchange rate is cost-effective. China Merchants Bank is a subsidiary of China Merchants Group. China Merchants Bank is the first joint-stock commercial bank wholly owned by an enterprise legal person in China, and it is also the first pilot bank to promote banking reform from outside the system.
what is the maximum credit card limit of China merchants bank?
The credit card limit of China Merchants Bank varies according to the types of cards. The list is as follows:
1. The credit card limit of China Merchants Bank is in 1 yuan-1, yuan.
2. The credit card of China Merchants Bank has a gold card quota of 1,-5, yuan.
3. Generally, the amount of platinum card of China Merchants Bank's credit card is more than 5, yuan, and the maximum amount can be more than 2, yuan.
4. The unlimited credit card limit of China Merchants Bank is the same as that of Platinum Card, which is more than 5, yuan, and there is no specific upper limit.
If customers want to check the credit card limit of China Merchants Bank, they can make inquiries in the following ways:
1. Telephone inquiry: customers can directly call the credit card service hotline of China Merchants Bank at 4-82-5555, transfer to manual service, and apply for inquiries from customer service personnel. After the customer service personnel verify the identity of the customer, they will help with the inquiry.
2. SMS inquiry: customers can directly use the mobile phone number reserved when handling the card to send an inquiry application SMS to 165795555 (mobile) or 95555 (China Unicom, China Telecom) to inquire, and reply "# ed" to inquire about the available credit card amount.
3. mobile banking/online banking inquiry: customers can log in to China merchants bank mobile banking on their mobile phones, click on "my", then click on "credit card", then click on "account management", and then click on "account inquiry" to inquire about the card limit. The operation steps of online banking are similar. After logging in to online banking, click to enter the personal account page, and then click "Account Management → Account Inquiry" to see the card limit.
4. Credit card APP "Pocket Life" query: customers can log in to China Merchants Bank credit card APP "Pocket Life", click "My", and then click "Line Credit" to query information such as credit card fixed amount and available amount.
how to increase the credit card limit of China merchants?
compared with other banks' credit cards, it is relatively easy to increase the credit card limit of China Merchants Bank. Generally, it takes more than three months to apply for credit card withdrawal, and the temporary limit can be extended. At the beginning, the card may be 3k-1w, but some card friends raise the amount to 5w by stages for one year, and there are more than 1W temporarily. Today, Xiaobian will share with you the ways to increase the credit card limit of China Merchants Bank.
1. Spend more by credit card
China Merchants Bank still pays more attention to the number of spending, and the key is to be tolerant. If you use anything with large amount, you must choose a merchant with points. Try to diversify (multi-region, multi-time, multi-merchants), and the frequency of swiping cards must be higher. Banks can make money for a long time, and it is only a matter of time before they raise the amount.
2. Staging
It is necessary to handle the bill by stages, and the number of periods is just 12, so it is not necessary to divide it into too long periods. The amount should be moderate, and don't put all the credit cards in installments!
staging can earn some fees for banks, which is very helpful to increase the quota. Of course, it is added that China Merchants Bank's bill installment basically has activities every month. For details, you can go to Pocket Life to check.
3. Make full use of the temporary limit
Some card friends use the small tricks better, and there are often temporary ones. Some people worry that after using the temporary limit, they will not improve the fixation. After using the temporary limit, they will try to spend as much as possible, and the temporary limit will not be used up. How can they adjust the fixation for you? They often adjust the temporary instructions for you, which means that you can almost fix it. So keep brushing more. Sometimes, temporary and fixed time are together. It must be noted that raising the temporary quota will lengthen the fixed period. We must grasp the time.
Let's stop here for the introduction of the exchange rate of China Merchants Credit Card.