Cannot be used.
According to the official website of China Merchants Bank, when cardholders use credit cards illegally, after official verification by China Merchants Bank, a warning text message will be issued or the card will be directly suspended and the credit card will be frozen. The use of functions and permissions prevents cardholders from using them normally.
China Merchants Bank Credit Card is a credit payment instrument issued to the public by China Merchants Bank Co., Ltd., which provides cardholders with a certain credit limit. Cardholders can consume within the credit limit and then repay.