It is recommended to apply for China Merchants Credit Card. If necessary, you can choose to apply. See if your relationship and your own needs have anything you need. She can get a recommendation gift, and you can get your card gift. You can enjoy some investment promotion activities with your card, and the credit card activities of China Merchants Bank are still ok. Don't do it if you don't need it. This will not affect your future card processing. If you want to apply for a card in the future, you can reapply, such as Pocket Life or WeChat official account, as well as advertisements.