I have been using China Merchants Bank’s credit card for 4 years. Except for the fact that you get 1 point for every 20 yuan (but it is valid forever, many banks clear it in two or five years), everything else is fine. , especially the service, is unmatched by state-owned banks. As for discounts, as long as they are not publicly announced and are available on the website, they must be real. However, everyone knows that merchants carry out activities, and merchants reserve all rights of explanation. Some activities are only for China Merchants Bank All-in-One Card (deposit card), and some are for credit cards. It is best to check many details and conditions clearly and ask carefully before purchasing, so as to avoid being unhappy. Hope it's useful to you.