The difference between China Merchants Bank Youth Card Black (Youth Edition) and China Merchants Bank Ordinary Credit Card is mainly whether the handling fee for the first cash withdrawal in each natural month is reduced or not. Hello, YOUNG Card (Youth Edition). There are two UnionPay single-currency gold cards issued, namely YOUNG Card (black) and YOUNG Card (white). The exclusive function of the card: 1, double points for birthday month: the main cardholder can enjoy double points (basic consumption points 1 times, reward points 1 times) when using the YOUNG card (Youth Edition) in the birthday month, and the upper limit of giving bonus points is 2000 points; 2. Cash withdrawal discount 1 time every natural month (subject to the entry date), and the handling fee for the excess part is the same as that for the standard card. 3. You can borrow cash in advance with a line of 100%.