1. Users can choose whether to associate China Merchants Bank credit card and China Merchants Bank card. If they have both, the staff will ask whether they are related when applying for the card.

2. After the association, it saves individuals the trouble of going to the bank for monthly repayments. As long as the balance in the bank card can offset the credit card debt, the repayment can be automatic.

3. Repayments associated with China Merchants Bank credit cards are exempt from handling fees.