Hello, the basic functions of credit cards are basically the same, for example, you can spend first and then repay; Use the cash advance function; Select the lowest repayment business; Online shopping; Shopping in installments and so on. If you have no special requirements for credit card spending, you can apply for any one.

if you need to know more, you can click this link/ccproduct/newcustomer.aspx

to learn more about China merchants bank credit card.

If you apply for a credit card of China Merchants Bank, under normal circumstances, the fixed amount of the general card ranges from RMB 1, to RMB 1,, and the fixed amount of the gold card ranges from RMB 1, to RMB 5,. The specific amount shall be subject to the examination results.

The annual fee of China Merchants Bank's credit card is ￥1 yuan/year for ordinary card and ￥3 yuan/year for gold card. The annual fee is charged once a year. If two cards or supplementary cards are applied at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period under the credit card number, and the previous date is the issuance date), which is not a natural year. If you successfully apply for China Merchants Bank credit card (except unlimited card/platinum card/business card /ANA co-branded card /VISA MINI card /MSN MINI card /VOGUE titanium card /HELLOKITTY fan gold card /MISS KITTY perfume credit card), the first-year annual fee will be reduced or exempted in advance by China Merchants Bank credit card or partners, and you will spend six times (amount, non-natural year) on a single card within one full year of your card validity (from the card issuance date). And this offer will be valid for a long time before the change notice of the new annual fee preferential policy. ?

the annual fee is calculated from the card issuance date (the date is displayed below the credit card number, the previous date is the issuance date, and the latter is the expiration date; If only one date is displayed, it is the expiration period). For example, the card says 7/1-7/13, which means the credit card was issued in July 21. The first year is from August 1, 21 to July 31, 211, and the annual fee collection is shown on the bill in August each year.

You can log in to credit card online banking at any time and click Account Management-Account Limit Management-Fixed Limit Adjustment to apply. You can also fax (21-385662) or mail the financial proof that you didn't provide before applying for the card, including a copy of the real estate license (the real estate license must contain the name of yourself or your spouse or minor children, with the relationship certificate and a copy of any hydropower and coal invoice documents of the real estate license in the last three months), a copy of the driving license of your own vehicle, a copy of the running list of our savings account in the last three months, or the original proof of the asset balance of the wealth management account opened by our branches.

Before the credit card expires, if your card is in normal condition, the bank will send the new arrival to your reserved contact address.