If you need to spend abroad, you can use Visa or Master logo. If you only spend in China, you can apply for a UnionPay credit card. If you prefer credit card points and you are young, you can choose to apply for Young Card (Youth Edition). This credit card will have double points in the month of your birthday, and you can withdraw it for the first time every month without handling fee. If you travel frequently, you can choose to apply for an airline co-branded card or a Ctrip card, and there will be a discount when flying. You can apply for a car card if you have a car. There are many more like this. China Merchants Bank can basically meet the needs of all kinds of customers.

Product characteristics

1. There are many kinds of cards, which are novel, beautiful and attractive.

2. Telephone banking has a good service attitude and is convenient.

3. E-banking is associated with mobile phones, which is relatively safe.

4. Every consumption is notified by email, and every online transaction and general credit card transaction that exceeds 300 yuan is reminded by SMS.

5. Powerful online banking function, directly used by the popular version, with multiple functions such as bill and detail inquiry, integral inquiry, card opening, setting online transaction limit, self-service bill installment and so on.

6. The first year of China Merchants Bank Credit Card is free of annual fee. Generally, you can waive the annual fee for the following year after spending 6 times.

7. China Merchants Bank Card has no annual fee, only account management fee.

8. The account management fee is only a debit card such as China Merchants Bank's one-card card. The one-card card of China Merchants Bank can be bound to the credit card of China Merchants Bank, and the account management fee of the one-card card can be exempted, but the annual fee of the credit card can only be exempted if it is spent more than six times (including six times).

9. Sanya, food season and other activities and offers are very favorable, involving all areas of life.

10. China Merchants Bank launched a handheld life platform with a credit card. You can use your mobile phone to buy movie tickets and recharge your mobile phone, inquire about preferential businesses nearby and offer discounts. More and better applications are launched one after another.

However, China Merchants Bank's credit card also has the stipulation that "points are difficult, and every consumption 20 yuan is 1 point, which is not a score", which is not conducive to integral consumption.