China Merchants Bank credit card score standard is 70 points to pass the approval.

Comprehensive scoring criteria for China Merchants Bank credit cards:

1. The maximum score for guarantee support is 15 points.

(1) The maximum score for housing rights is 8 points. 0 points for not owning a house, 2 points for renting a house, 4 points for unit welfare housing allocation, and 8 points for owning or buying a house.

(2) The maximum score for whether there is a mortgage or not is 7 points. 7 points for secured, 0 points for unsecured.

2. The maximum score for financial support is 34 points.

(1) The maximum score for personal income is 26 points. A monthly income of more than 6,000 yuan is worth 26 points, a monthly income of 3,000 to 6,000 yuan is worth 22 points, a monthly income of 2,000 to 3,000 yuan is worth 18 points, a monthly income of 1,000 to 2,000 yuan is worth 13 points, and a monthly income of 300 to 1,000 yuan is worth 7 points.

(2) The maximum score for monthly debt repayment is 8 points. 8 points for no debt repayment, 6 points for 10 to 100 yuan, 4 points for 100 to 500 yuan, and 2 points for more than 500 yuan.

3. The maximum score for personal stability is 27 points.

(1) The maximum score for employment status is 16 points.

16 points for civil servants, 14 points for public institutions, 13 points for state-owned enterprises, 10 points for joint-stock enterprises, 4 points for others, 16 points for retirement, 10 points for unemployment with social relief, and 8 points for unemployment without social relief.

(2) The maximum score at the current address is 7 points. 7 points for more than 6 years, 5 points for 2 to 6 years, and 2 points for less than 2 years.

(3) The maximum score for marital status is 4 points. 2 points for being single, 3 points for being married without children, and 4 points for being married with children.

4. The maximum score for personal background is 24 points.

(1) The maximum score for household registration status is 5 points. 5 points for local, 2 points for out of town.

(2) The maximum score for educational level is 5 points. 1 point for junior high school and below, 2 points for high school, 4 points for technical secondary school, and 5 points for college and above.

(3) The maximum score for age is 5 points. 5 points for women over 30 years old, 4.5 points for men over 30 years old, 3 points for women under 30 years old, and 2.5 points for men under 30 years old.

(4) The maximum score for breach of trust is 9 points. 0 points for no investigation, 0 points for no records, 0 points for one breach of trust, -9 points for two or more breaches of trust, and 9 points for no breach of trust.