Legal analysis: To apply for China Merchants Bank credit card, the most important conditions are that you have reached the age of 18-60 and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certificate, both of which are indispensable. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit.

Legal basis: Notice on Issuing the Measures for the Administration of Credit Card Business

Article 58 When withdrawing cash from a bank, a cardholder shall submit his credit card and identity card to the bank or correspondent bank. IC cards and photo cards are exempt from ID cards. After the card is pressed (swiped) by the issuing bank or agent bank, fill in the cash withdrawal slip.

After verification, it shall be submitted to the cardholder for signature and confirmation. If the payment limit is exceeded, the agent bank shall claim the rights from the issuing bank and fill in the authorization number on the cash withdrawal form. After completing the payment procedures, send the cash, credit card, ID card and cash withdrawal receipt to the cardholder.

Article 59 If the issuing bank or correspondent bank violates the provisions of these Measures, it will help the unit cardholder to transfer other deposit accounts or sales income to his credit card account, or help the individual cardholder to transfer other funds to his credit card account, and it will be fined from 50,000 yuan to 6,543,800 yuan.

Notice on Printing and Distributing the Measures for the Administration of Credit Card Business Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.