China Merchants Bank YOUNG Card (Youth Edition) is the first to issue 2 types of UnionPay single currency gold cards, namely YOUNG Card (Black) and YOUNG Card (White). Exclusive functions of this card: 1. Double points in the birthday month: The main cardholder can enjoy double points (1 times as basic consumption points, 1 times as bonus points) and free rewards when spending with YOUNG card (youth version) in the birthday month. The upper limit of points is 2,000 points; 2. The first cash withdrawal in each calendar month is discounted on handling fees (subject to the date of entry), and the handling fees for excess withdrawals are the same as for standard cards. 3. You can borrow cash in advance at 100% of the limit.

If you want to apply for this card, you need to be 18-30 years old. If you can provide an ID card (the temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book), You can try to apply for proof of work and income. The credit limit will depend on the information you provide and will be comprehensively evaluated. The issuance of the credit card will be subject to the final review result.

You can log in to the credit card website, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online, and wait for bank review , if you pass the preliminary review, our bank will first conduct a preliminary review. If you pass the preliminary review, there are two subsequent card application processes. One is if you pass the preliminary review, a card application officer will contact you to come to collect the card; the other is that you will receive a text message from our bank. You will be notified to go to the branch to sign and confirm the application. The details will be subject to the notification from our bank after the preliminary review is passed.

Cash advance loans will incur corresponding fees and interest. Handling fee: The handling fee for domestic RMB cash advances is 1% of the amount of each cash advance. The minimum charge is RMB 10 per transaction. The handling fee for overseas (including Hong Kong, Macao and Taiwan) cash advances is 3% of the amount of each cash advance. To calculate the handling fee, the minimum charge is RMB 30 or US$3 per transaction (the minimum charge for American Express-Centurion Black Gold Card and American Express-Centurion Platinum Card is US$5 or RMB 30 per transaction); Interest: Cash advance transactions do not enjoy the interest-free repayment treatment. Interest will be charged at a daily interest rate of 0.5% from the transaction date to the repayment date, and compound interest will be charged on a monthly basis.