Article 1: In order to adapt to the development of credit card business and provide cardholders with comprehensive and high-quality services, this charter is specially formulated in accordance with relevant national laws, regulations, and rules.

Article 2? China Merchants Bank Credit Card (hereinafter referred to as the credit card) is issued to the public by China Merchants Bank Co., Ltd. (hereinafter referred to as the card issuer) and provides cardholders with a certain credit limit. Cardholders can A credit payment tool that consumes first and then repays within the credit limit, it has functions such as consumer spending, installment transactions, credit loans, cash deposits and withdrawals, and transfer settlement.

Article 3: Credit cards are divided into personal cards and corporate cards according to different issuing objects (only refers to corporate debt-bearing, the same below), among which personal cards are divided into principal cards and supplementary cards; according to credit rating and product Different functions and services are divided into black gold cards, unlimited cards, platinum cards, gold cards and ordinary cards; according to different information carriers, they are divided into magnetic stripe cards and chip (IC) cards; according to different currencies, they are divided into single currency cards (including RMB card and single-currency international card) and dual-currency card. Credit cards will bear the logo of UnionPay, Visa, MasterCard, JCB, American Express or other bank card organizations.

Article 4: Card issuers, cardholders and guarantors must abide by this Article.

Article 5: The credit limits of multiple credit card accounts, various installment summary credit limits, supplementary card credit limits, cash withdrawal credit limits, etc. under the cardholder's personal name are subject to the credit limit of the card issuer. Set the total credit limit upper limit control.