Whether it is worth opening a card depends on your own situation. If you are a wage earner, it is recommended to open a card, because 4000 yuan is enough; During the use, the credit card has good behavior and strong repayment ability, and the bank will gradually increase the credit card limit.

After the cardholder applies for a credit card, after a period of consumption and repayment, a comprehensive credit score will be formed according to his historical behavior. According to the comprehensive credit score of customers, banks will actively adjust the fixed quota for customers with higher scores according to actual needs, and will also comprehensively consider the cardholder's past consumption amount, quota utilization rate and other factors.

According to the purpose of the card, the bank will evaluate whether the credit card can be withdrawn according to the comprehensive analysis and judgment of the system;

Withdrawal period of China Merchants Bank: the first withdrawal of the permanent quota: 3 months later, the second increase of the permanent quota: 3 months later;

Cardholders can also provide proof of property and income (such as real estate, cars, time deposits, fixed assets and other valid documents) to credit card banks on their own initiative.