Hello, there is no deposit or guarantor required to apply for a China Merchants Bank credit card. The most important condition for application is to have a stable job and income. When applying for a credit card, you need to fill in the application form and attach a copy of your ID card and a work certificate issued and stamped by the personnel department of your unit. Of course, if you can provide other financial proof, it will be more helpful for us to identify you personally. Understand the situation and determine the credit limit.

The documents required for application are copies of ID cards and employment certification documents. Of course, it will be more beneficial to your application if you can provide proof of financial resources in other documents. The proof of work can be a copy of your work permit; a copy of the work certificate issued by the company; a copy of your professional title, a copy of your professional qualification certificate, etc. Proof of financial resources can include salary records issued by banks; income certificates issued by your company; income tax withholding certificates; copies of your own real estate certificates; copies of your own car driving licenses; bank time deposit certificates and other materials that can prove your financial level.

The application requirements for a gold card are higher than those for a regular card (including job stability, income and other financial conditions, etc.). In terms of credit limit, the credit limit of a gold card is also higher than that of an ordinary card (the credit limit of a gold card ranges from RMB 10,000 to RMB 50,000; the credit limit of an ordinary card ranges from RMB 1,000 to RMB 10,000).