Hello, if you are applying for a China Merchants Bank credit card, the credit card has an expiration date. Generally, you can activate it within the expiration date. The credit card is valid for 5 years and is displayed below the 16-digit credit card number. For example: If the number below the card number is 02/10-02/15, it means the card was issued in February 2010 and will expire at the end of February 2015; if the number below the card number is 02/13, it means the card will expire at the end of February 2015.

Credit cards have annual fees. If you do not open a card in the first year and apply to open a card in the second year, there will generally be an annual fee. You can check whether your credit card has no annual fee.

The annual fee for a China Merchants Bank credit card is RMB 100 per year for a regular card and RMB 300 per year for a gold card. The annual fee is charged once a year. If you apply for 2 cards or additional cards at the same time, the annual fee for the second card or additional card will be 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, the previous date is the issuance date), not the calendar year. If you successfully apply for a 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 annual fee for the first year The advance payment is exempted for you by China Merchants Bank credit card or partners. Within the validity period of your card for a full year (from the card issuance date, not a natural year), you can enjoy the exemption if you make 6 purchases (amount and form are not limited) with a single card. There is an annual fee for the card. And until the new annual fee discount policy changes are notified, this discount will be valid for a long time.

The annual fee is calculated from the card issuance date (there is a date displayed below the credit card number, the previous date is the issuance date, and the latter is the expiry date; if only one date is displayed, it is the expiration date). For example: the card says 07/10-07/13, which means that the credit card was issued in July 2010. August 1, 2010 to July 31, 2011 is the first year. The year will be shown on the bill in August every year. Fee collection status.