You can apply for a credit card before it expires. Credit card application conditions of China Merchants Bank: Applicants should be 18~60 years old (foreigners are 25~60 years old), have certain economic ability and have a good credit record. Please refer to the actual audit of the bank for the credit card application results.

Information: credit card application form, copy of the front and back of ID card (foreigner: passport and residence permit or employment permit; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit) and the work certificate issued by the unit.

In addition, it is helpful to improve the credit limit by providing the following information, such as: a copy of the running list of China Merchants Bank's savings account in the past three months; Original proof of asset balance of wealth management account opened by China Merchants Bank; A copy of the property ownership certificate (including my name)+a copy of any water, electricity and coal invoices of the property in recent 3 months; A copy of my driver's license.