Low level. Official website of China Merchants Bank shows that the minimum grade and limit of China Merchants Bank's credit cards are ordinary cards: 1000 to 10000 yuan, so the limit of 4,000 refers to the low grade. China Merchants Bank, 1987, established in Shekou, Shenzhen, is the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China and the first pilot bank to promote banking reform from outside the system.