China Merchants Bank credit card can be used as a card. There are two situations:

1. Use bank cards from other banks. If the applicant uses a bank card of another bank, then China Merchants Bank requires the applicant to open a bank card and use it for more than half a year.

2. I used the credit card of China Merchants Bank. If the applicant uses a credit card of China Merchants Bank, then China Merchants Bank requires the cardholder's credit card to be more than 5,000 yuan and used for at least 3 months.