Hello, 1. Credit cards are mainly used to consume first and repay later. You can use bank funds to consume in advance and enjoy the interest-free period. This is a way of managing money. 2. A credit card is not a savings card, and interest will not be charged on deposits in the credit card. 3. Credit card can be used as a payment tool and can be consumed directly through the card-swiping POS machine or online payment platform installed by the merchant. 4. The bank will also provide you with various forms of points, discounts, installments, draws, promotions and other activities. 5. Credit cards are still the main international payment tool. On international websites, you only need to fill in your personal credit card information to make purchases directly. And if you are staying in a hotel on a business trip, only a credit card can complete the hotel pre-authorization for you.

You can directly go to a bank branch to submit application materials to apply for a credit card.

The most important conditions for applying for a China Merchants Bank credit card are that you are 18-60 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. If you can provide other Documents proving your financial resources will help us better understand your personal situation and determine your credit limit. Detailed application information is as follows:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card;

2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal), or the original has been verified by the promoter A copy of the work permit/plate with the mark;

3. Proof of financial resources: it can be a bank salary record, or income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments (such as real estate Certificate/car driving license/copy of bank deposit certificate) and other materials that can prove your financial level. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

Generally, the fixed limit range for regular cards is ￥1,000-￥10,000 yuan, and the fixed limit range for gold cards is ￥10,000-￥50,000 yuan. The specific limit is based on the audit results. allow.