If you apply for a credit card online, you must first confirm whether there is a China Merchants Bank outlet in your area. If not, you can't apply directly online, even if the application can only be rejected.

According to your description, the credit card has a good record of use, is not overdue, and belongs to the bank's high-quality customers. Generally, it will not fail the bank's audit. You can check the reasons for bidding failure in the following ways:

1. Telephone enquiry:

Call China Merchants Bank Credit Card Customer Service Center: 400-820-5555, and you can choose manual inquiry or voice inquiry;

2. Bank outlets query:

Go to the nearby China Merchants Bank outlet and ask the staff, and there will be professionals to answer your questions.

3. official website query:

Log in to China Merchants Bank official website and click on the Credit Card Center to find out the relevant reasons;

4. WeChat query:

Pay attention to the official account of China Merchants Bank WeChat WeChat and then inquire;

I hope the above methods can help you.