the difficulty of applying for a credit card mainly depends on the applicant's personal conditions, not the auditing standards of which bank. If you can provide effective financial documents, it will help the bank to understand your personal situation and judge the credit limit. If you already have a credit card, you can use it to handle the card, which will be easier.

documents required by China merchants bank:

1. a copy of the identity certificate of the main card applicant. for domestic people, please provide a copy of the resident identity card. (Domestic people aged 18-6 and foreigners aged 25-6 are accepted to apply for the main card)

2. Copy of the identity certificate of the supplementary card applicant. For domestic people, please provide a copy of the resident identity card. (people over the age of 18 are accepted to apply for supplementary cards)

III. Passports of overseas people or passes for Hong Kong and Macao residents to and from the Mainland, copies of home visits of Hong Kong and Macao compatriots or mainland travel permit for taiwan residents, and copies of residence permits or temporary residence permits in China

IV. Work certificates, such as copies of work permits, original work certificates issued by work units, copies of professional titles, professional qualification certificates, etc.

V. Financial documents, such as payroll records issued by banks.