No. As long as there are no bad credit records, whether the application can be successful depends on the bank's review results. The annual fee is about 10,000 yuan. The annual fee for gold card is 300 yuan. The black platinum card of China Merchants Bank has an annual fee of 10,000. Yuan Yuan. When applying for a China Merchants Bank credit card, you can provide as much property certification information as possible, such as personal income, bank deposit certificates, real estate certificates in your name, vehicle certificates, academic qualifications and technical titles, etc.