According to your conditions, it will be easier for you to apply for a credit card from China Merchants Bank. It is free to apply for the card and you can make installment payments; a monthly repayment of 4,000 yuan is 334 yuan, which can be paid off in 12 months. Credit card application process

Fill in the application form

Give the bank your information and various copies

The bank will send it to the credit card center

The credit card center will review, prepare and issue the card

After you get the card, open the card and wait for the password letter

Credit card application conditions

General application conditions are relatively good Closely follow the specific regulations of each bank.

Each card-issuing bank has its own card-issuing standards, which generally include the following:

1. Over 18 years old

2. Have a fixed occupation and Urban and rural residents with stable income and whose workplace is usually in the place of permanent residence.

3. Fill out the application form and sign in the "Applicant's signature" area.

To apply for a credit card, you need to provide the following information:

1. Copy of identity document, work certificate, income certificate, etc.

2. If you can also provide bank deposit receipts, real estate certificates, etc., your application approval process will be more convenient and faster.

3. If you have a foreign registered permanent residence, are an overseas personnel applying for a local job, or are an active-duty military officer applying for a credit card in your own name, some card-issuing banks may require you to present a temporary account issued by the local public security department or a relevant Certificate issued by the department (including work certificate).

4. Other conditions required by each card issuing bank.

5 Generally, the interest-free period is 56 days, and the repayment is renewed every month. You can repay in installments, but it depends on how much you consume and the installments are made according to bank regulations.

There is no handling fee for applying for the card, and it takes about a week after the application is completed to get the card.

The annual fee is waived as long as you use it 6 times a year.