According to Article 10 of the Credit Card Charter of China Merchants Bank (Ninth Edition)

According to the credit status of the applicant, the card issuing institution decides whether to issue a card, whether to require the applicant to provide a guarantee and the way of guarantee, and determines the way and type of obtaining a card, the credit limit of the approved account, the overdraft interest rate of the approved account and the minimum repayment ratio. Application materials that have not been approved by the card issuer will not be returned.

China residents who have reached the age of 18 and have full capacity for civil conduct and good credit standing, foreigners with full capacity for civil conduct and compatriots from Hong Kong, Macao and Taiwan with full capacity for civil conduct can apply for personal credit card master cards with their valid identity documents.

Extended data:

All new householders who successfully apply for the campus version of YOUNG card can register brand razors/brand suitcases/1000 points through China Merchants Bank Pocket Life APP within two natural months after issuing the card (only one of the three can be selected), and pay by card or UnionPay China UnionPay Express APP scan code.

This activity is only for customers who have applied for and successfully issued the Campus Edition YOUNG Card of China Merchants Bank. The application time is based on the time of the key documents of the application materials recorded by the credit card center system.

The transaction time of the activity is subject to the transaction date of the credit card. If the information recorded in the customer's purchase order is inconsistent with the record of the credit card center system, the record of the credit card center system shall prevail.

China Merchants Bank-Credit Card Articles of Association of China Merchants Bank (9th Edition)