The best credit card in Kunming is China Merchants Bank. According to relevant information inquiry, China Merchants Credit Card enjoys better discounts and services. Application for China Merchants Bank Credit Card does not require a deposit or guarantor. The most important condition for application is to have a stable job and income. When applying for a credit card, you need to fill in the application form and attach a copy of your ID card and a work certificate issued and stamped by the personnel department of your unit.