First of all, understand the application conditions of China Merchants Bank's credit card: 1. Applicants must have full capacity for civil conduct; 2, at least 18 years old, the same can not be greater than 7 years old; 3. Have a legal occupation, and have a stable income and repayment ability; (Have a local job in the issuing bank, and have served for 6 months, with an annual income of not less than 15, yuan; 4. The credit status is good and there is no record of overdue repayment. Secondly, share the skills of China Merchants Bank's credit card application: First, fully prepare all kinds of asset certificates. When applying for a credit card for the first time, personal asset certificates must be fully prepared, especially if they are white households. The asset certificates to be prepared mainly include income certificate, deposit certificate, real estate certificate, automobile ownership certificate, securities certificate, etc. With these asset certificates, the bank can judge how much repayment ability you have, so as to decide how much credit card to give you; Note: What is a white household? The so-called white household means that it has never had any credit consumption record, such as not applying for a bank credit card or handling a loan; For applicants with white households, the bank will not know the applicant's personal credit status, so it will not be able to refer to the credit status after the judgment. Second, fill in the card application form carefully. 1. If there is a fixed number in this city, you must fill it in; Fill in the fixed telephone number of this city. In the bank's view, your residence in this city is stable, which will increase your credit evaluation score; 2. Local hukou is easier to score than foreign hukou; (If you are not registered in this city, don't lie when you fill in the information; ) 3. It is easier to score with housing than without housing, not limited to whether there is housing in this city; 4. The higher the education level, the better. China Merchants Bank pays more attention to the applicant's cultural level; 5. The higher the visibility of the work unit, the better, and the more stable the nature of the work. Especially for institutions, the world's top 5, government agencies and large state-owned enterprises, the individual comprehensive score will be higher; Note: Don't think that filling out the card application form is a trivial matter. You should know that many people have failed to apply for the China Merchants Bank credit card, or they have folded it in the application form.