no. China Merchants Bank is a debit card, not a credit card. China Merchants Bank is the first joint-stock commercial bank controlled by an enterprise as a legal person in China. Users can apply for savings card (debit card), credit card application, transfer and remittance, smart deposit, online payment, investment and wealth management, living payment and other services in official website, China Merchants Bank, so they can apply for credit card of China Merchants Bank.