China Merchants Bank Credit Card. China Merchants Bank Credit Card is the fastest credit card for 19-year-olds to apply for. It has rich promotions and high cash rebates, and there is no annual fee. Applying for a China Merchants Bank credit card is very simple. As long as you are over 18 years old and have a stable source of income and good credit status, you can easily apply for the card. The threshold for applying for a card is not high. As long as there are no problems with the credit investigation and your income is stable, you can quickly obtain a credit card.