The "no upfront payment" in credit card application means that there is no charge for applying for a credit card.

You can apply through the following methods

1. Please log in to the credit card website/, select "Credit Card Application" - "New Customer Application Channel", and go through "Easy Appointment, Door-to-Door Application" Apply on the online banking appointment platform. Fill in the simple appointment information online and wait for the bank's review. If the review is passed, a specialist will contact you by phone to confirm that the application will be processed at your door. If you want to apply in this way, please first confirm the area where you are located and whether the bank can provide free appointment for door-to-door processing (the results will be displayed after selecting the province/city/district).

2. Please bring the original identity certificate, work certificate and financial certificate documents to any business outlet of China Merchants Bank to apply in person. Regarding the distribution of bank counters, please click: China Merchants Bank branch map, then select a city, and then query branch information.

3. You can make an appointment to apply for a card via mobile phone. If you pass the preliminary review, a dedicated person will come to the user's workplace to apply for the card. Click to make an appointment now http://ccclub.cmbchina.c.