Relatively speaking, credit cards from commercial banks are easier to handle than the four major domestic state-owned banks. Each bank's credit card has its own characteristics and card application procedures. Credit cards from China Merchants Bank, Bank of Communications, CITIC Bank, China Guangfa Bank and other banks are easier to apply for than the four major banks.

Extended information:

Bank is a financial institution established in accordance with the law to engage in currency and credit business. It is the product of the development of commodity currency economy to a certain stage. Banks are one of the financial institutions. Banks are divided by type: central banks, policy banks, commercial banks, specialized institutions, investment banks, and the World Bank. Their responsibilities are different.

Central Bank: The People's Bank of China is the central bank of our country. State-owned policy banks: including the Export-Import Bank of China, Agricultural Development Bank of China, and China Development Bank. World Bank: used to finance countries to overcome poverty, each institution plays a unique role in the mission of alleviating poverty and improving living standards.

Banks are one of the financial institutions. Banks are divided by type: central bank, policy bank, commercial bank, investment bank, and World Bank. Their responsibilities are different.

According to the laws of the People's Republic of China, banks are divided into the central bank (People's Bank of China), commercial banks (including rural credit cooperatives and new rural financial institutions), and policy banks (China Agricultural Development Bank) Bank, China Development Bank, Export-Import Bank of China).

China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is entirely owned by corporate legal persons. It is also the first country to promote banking reform from outside the system. pilot bank.

Since it was first shortlisted for the Fortune Global 500 in 2012, it has been shortlisted for seven consecutive years. In 2018, it ranked 213th on the Fortune Global 500. [5-6] On June 26, 2019, eight banks including China Merchants Bank were among the first to launch the online corporate information verification system.

The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22.

The net capital exceeds 290 billion and the total assets exceed 4.4 trillion. As of the first half of 2017, China Merchants Bank has more than 1,800 branches at home and abroad, has established service outlets in more than 130 cities in mainland China, has 5 overseas branches and 3 overseas representative offices, and employs more than 70,000 people.