The examination of this certificate is very strict, and you can't do it if you are over 30 years old. China Merchants Youth Card is a kind of credit card famous for its strict age limit. At present, people over the age of 30 cannot apply. If they are over the age of application, China Merchants Bank will adjust the applied card to UnionPay standard credit card. Not only does your age unilaterally determine your qualifications, but you also need to have a stable job and income source. You must also have a bachelor degree or above recognized by the State Education Commission after 2003 (inclusive).