According to the "China Merchants Bank Credit Card Regulations":

Article 9?

When applying for a credit card for the first time, the applicant should be correct and complete in accordance with the regulations of the card issuer. , fill in the application form truthfully and sign it in person, and submit relevant supporting documents required by the card issuer. For the purpose of reviewing the applicant's credit card application or conducting subsequent risk management.

The applicant agrees and authorizes the card issuer to obtain information and information from legally established credit reporting agencies and other relevant legal agencies such as the Financial Credit Information Basic Database of the People's Bank of China and other relevant legal agencies during the process of reviewing its credit card application or conducting subsequent risk management. Inquire about their assets, credit standing, personal credit information, etc., and retain relevant information. Card issuers are responsible for keeping confidential the personal information collected and used by applicants in accordance with the law.

The applicant voluntarily agrees that the card issuer will provide services to the applicant to members of the China Merchants Bank Co., Ltd. group (including but not limited to domestic wholly-owned subsidiaries and controlled subsidiaries of China Merchants Bank Co., Ltd. companies, etc.), service agencies, agents, and outsourcing agencies that have direct cooperative relationships with card issuers.

Co-branded card partners, relevant credit institutions, and other business partners that China Merchants Bank deems necessary and have direct cooperative relationships with card issuers provide applicant information. The card issuer promises to require the partner institution that receives the information disclosed by the card issuer to assume confidentiality obligations for the applicant's information by signing a legal agreement.

The application materials are as follows:?

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel need to provide a military ID card a copy.

2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or it can be promoted A copy of the work permit/plate that has been verified by the original and marked by the employee.

3. Proof of financial resources: It can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/bank time deposit certificates) Photocopy) and other documents that can prove your financial level.

Other documents available for reference include: social security personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc.

Extended information:

According to the "Credit Card Regulations of China Merchants Bank":

Article 14: Cardholders can apply for credit cards overseas (including Hong Kong, Macao and Taiwan) (regions, the same below) with UnionPay, Visa, MasterCard, JCB, American Express or other bank card organization acceptance logos, or domestic special merchants with UnionPay acceptance logos and other special merchants designated by the card issuer for consumption with the card.

Withdraw local currency cash at overseas cash withdrawal outlets or ATMs with UnionPay, Visa, MasterCard, JCB, American Express or other bank card organization acceptance logos; within China with UnionPay acceptance logos Withdraw RMB cash at marked ATMs or cash withdrawal outlets or ATMs designated by the card issuer, and enjoy other services provided by the card issuer. Corporate cards cannot withdraw cash.

Article 15: Cardholders only need to sign the purchase form and the back of the card when making purchases at overseas merchants with Visa, MasterCard, JCB, and American Express acceptance logos. Same signature in the column.

When making purchases at overseas merchants with the UnionPay acceptance logo or within the country, the cardholder must enter or do not need to enter the password as agreed with the card issuer in advance, and sign the purchase form and the back of the card. The same signature in the signature column, unless otherwise agreed between the cardholder and the card issuer or otherwise stipulated by the acceptance institution or bank card organization.

Cardholders must present a valid ID when withdrawing cash at overseas cash withdrawal outlets and enter a password when withdrawing cash from ATMs; cardholders must enter a password when withdrawing cash at domestic cash withdrawal outlets and ATMs, and must present a valid identity when withdrawing cash by pressing an order. Documents.

Article 16?

All transactions carried out using passwords will be deemed by the card issuer to be done by the cardholder himself, and the card swipe is processed for the cardholder based on electronic information such as passwords. For various transactions such as consumption, deposits and withdrawals, transfer settlement, online payment, mobile payment, telephone payment, etc., the electronic information records generated by the transaction are valid credentials for the transaction.

Transactions that are not conducted using passwords are based on the transaction voucher formed by the cardholder's signature and/or the information records generated by various transactions conducted with the credit card's magnetic stripe, chip, card number and other electronic data. One or all of them are valid credentials for the transaction. Electronic cash account transactions do not require password verification and identity verification, and transaction vouchers do not require cardholder signature confirmation.

All electronic cash account transactions are deemed to be transactions by the cardholder himself, and the responsibilities arising from electronic cash account transactions shall be borne by the cardholder. Cardholders should use their credit cards on the Internet in a safe technical and merchant environment, otherwise the cardholders shall be solely responsible for the risks and losses caused by the use of the card on the Internet.

China Merchants Bank-China Merchants Bank Credit Card Terms and Conditions