China Merchants Bank's young card or hellokitty card series are all good, and some places have discounts or discounts for eating or cinemas. Regarding the application, you can log in to China Merchants Bank official website to apply, or you can go to China Merchants Bank's business outlets to apply, but generally you need to provide proof of salary. Generally, if it goes well, you can get the card in two weeks. Considering repayment, it is best to have a savings card with online banking to facilitate timely repayment. Of course, there are many other repayment methods, and you will be prompted when you get the card.