There is no charge for applying for China Merchants Bank's credit card. Only after the user successfully applies for a credit card and activates it will China Merchants Bank charge a certain fee according to the situation. For example, credit card holders of China Merchants Bank use credit cards to withdraw cash, and the bank will charge a certain handling fee and interest on withdrawal. When the cardholder fails to meet the annual fee-free standard, China Merchants Bank will also charge an annual credit card fee.