Hello, the basic functions of credit cards are roughly the same, such as spending first and repaying later; using the cash advance function; choosing the minimum repayment business; online shopping; installment shopping, etc. . If you have no special requirements for credit card consumption, you can apply for any one.

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To learn more about China Merchants Bank Credit Card.

Among all the credit cards of China Merchants Bank, the YOUNG card youth version is the best to apply for, because it was only launched in 2010 and is aimed at fresh people who have graduated from college and under the age of 30. It is relatively easy to get approved. It is recommended that if you are applying for the first credit card in your name at China Merchants Bank, you can give priority to applying for the YOUNG version. In addition, China Merchants Bank does not limit the number of cards under the same account. They all have exclusive quotas. After being approved for the YOUNG version, as your needs increase - you need to go out to travel or dine, buy a car, etc. "Easy car purchases", point cards that need to be redeemed for World of Warcraft when playing games, etc. - you can apply for other China Merchants Bank credit cards. Generally, if you already hold a card and apply for a "second card" from China Merchants Bank, you will be approved (except for platinum cards and unlimited cards, which are mainly invited by the bank).

The most important conditions for applying for a China Merchants Bank credit card are that you are 18-60 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. If you can provide other Documents proving your financial resources will help us better understand your personal situation and determine your credit limit. Detailed application information is as follows:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel need to provide a copy of the military ID; 2. Proof of employment : It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal), or the original work certificate\plate that has been verified by the promoter and marked Copy;

3. Proof of financial resources: It can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/bank A copy of the time deposit certificate) and other materials that can prove your financial level. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

Generally, the fixed limit range for regular cards is ￥1,000-￥10,000 yuan, and the fixed limit range for gold cards is ￥10,000-￥50,000 yuan. The specific limit is subject to the audit results.