According to Article 7 of the "Credit Card Articles of China Merchants Bank": Chinese residents who are over 18 years old, have full capacity for civil conduct and have good credit standing, foreigners who are resident in the country and have full capacity for civil conduct, and foreigners who have full civil capacity. Compatriots from Hong Kong, Macao and Taiwan with legal capacity can apply for a personal credit card master card from the card issuer with their valid identity documents.

According to Article 8 of the "Credit Card Articles of China Merchants Bank": Any entity that opens a basic deposit account at a financial institution in China can present the card-issuing license and other supporting documents such as the basic deposit account opening license issued by the People's Bank of China. The organization applies for a unit card. The qualifications of the company card holder shall be designated and revoked in writing by the company. The applicant unit shall bear all debts incurred by the unit card in accordance with the law.

According to Article 9 of the "Credit Card Regulations of China Merchants Bank"?

When applying for a credit card for the first time, the applicant should fill in the application form correctly, completely and truly in accordance with the regulations of the card issuer. Sign in person for confirmation and submit relevant supporting documents required by the card issuer.

According to Article 10 of the "China Merchants Bank Credit Card Articles": The card issuer decides whether to issue a card based on the applicant's credit status, whether to require the applicant to provide guarantee and the method of guarantee, and determines the method and type of card collection. Approved account credit limit, approved account overdraft interest rate and minimum repayment ratio, etc. Application materials that have not been approved by the card issuer will not be returned.

Extended information:

According to Article 37 of the "Credit Card Regulations of China Merchants Bank": Rights of applicants and cardholders

(1) Card holders People have the right to enjoy the services promised by the card issuer for their credit cards, to supervise the service quality of the card issuer, and to complain about services that are inconsistent with the promises.

(2) Applicants and cardholders have the right to know the functions, usage methods, charging items, charging standards, applicable interest rates and related calculation formulas of credit cards.

(3) Cardholders have the right to obtain statements for the last 12 months from the card issuer for free, except for specific statements customized individually by some cardholders.

(4) Within the time limit stipulated by laws and regulations and the payment and clearing organization, the cardholder has the right to apply to the card issuer for assistance in accessing a copy of the purchase order. If the investigation results prove that the transaction is indeed the result of the cardholder’s It is done by people and the relevant fees shall be borne by the cardholder.

(5) The cardholder is not responsible for the economic losses caused by the card being counterfeited or misappropriated after the loss report is effective. However, the state has the authority to deduct the funds in the credit card in the name of the cardholder in accordance with the law. The consequences will be borne by the cardholder.

China Merchants Bank-China Merchants Bank Credit Card Terms and Conditions