generally speaking, the main purpose of the bank's request for proof of consumption is to verify the cardholder's consumption and resolve relevant disputes. If you can provide a consumption invoice or purchase order, it can help the bank to better verify the use of your card and related consumption records, so as to process your card stop application faster and avoid unnecessary troubles that may arise. The usual reasons for the permanent suspension of China Merchants Bank's credit card include:

1. Active application: In the process of using the credit card, the cardholder needs to stop using the credit card for various reasons, and can take the initiative to apply to the bank for permanent suspension of the credit card.

2. Overdue repayment: If the cardholder violates the credit card repayment agreement, delays repayment or owes money for a long time, the bank may take measures to permanently stop the card to protect its rights and interests.

3. Illegal operation: If the cardholder has illegal operation in the process of using the credit card, such as malicious cash withdrawal and false transactions, the bank may also decide to permanently stop the card.