At the age of 20, you have reached the age requirement for applying for China Merchants Bank's credit card, but because you are still too YOUNG, I suggest you apply for China Merchants Bank's Young Card (Youth Edition), which is a credit card issued by China Merchants Bank specifically for young people and only for customers (non-student customers) under the age of 30 (inclusive).

To apply for a credit card of China Merchants Bank, you need to provide the identity certificate, work certificate and income certificate required by the bank. However, if you have a bachelor's degree or above recognized by the State Education Commission after 2003 (inclusive), it should be easier to apply. You can apply directly by relying on a copy of your ID card+work certificate (business card, work permit, copy of work permit or original work certificate issued by your work unit).

In addition, China Merchants Bank's YOUNG card is currently in an active period, and banks that apply for credit cards have a good gift. It is suggested to visit China Merchants Bank in official website for enquiry.