There is no limit on the number of credit cards of China Merchants Bank, and you can handle multiple credit cards. However, the credit card quota of China Merchants Bank cannot be superimposed. You can only share the maximum quota, which means that even if you handle many credit cards, the quota will not increase accordingly. For example, if the maximum amount of a credit card is 20,000, then multiple cards will share 20,000. If card A spends 5000, the credit limit of card B will also be reduced by 5000, that is, the remaining credit limit can only be 15000. In addition, the annual fee of credit card is calculated separately. Handling multiple credit cards means paying an annual fee for multiple credit cards. It is recommended not to handle too many credit cards.

China Merchants Bank (1987) was established in Shekou, Shenzhen. It 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.

China Merchants Bank applies for a credit card:

1. Initiate a credit card application through the staff at the bank branch.

Users can go to bank outlets to find bank staff to initiate credit card applications. As long as the user brings his personal ID card, the bank staff will assist the user to apply for a credit card. Credit card application can be initiated offline, and users can complete the application by filling in the credit card application form, which requires users to fill in personal identity information, work information, contact information, etc. The bank will review the credit card according to the information filled in by the user, and will issue the bank credit card to the user after the approval.

2. Initiate an application online through the recommendation of existing credit card users.

Users can apply through the recommendation of existing users of credit cards, and users can start applying for credit cards by logging in to the website sent by referees. The information to be filled in online application is the same as that to be filled in offline application, mainly focusing on personal information, income and contact information. After receiving the user's application information, the bank's back-office system will run to the bank's big data system. After passing the system audit, it will contact the filled-in contact person according to the user's repayment ability, so as to confirm the user's relevant information. Combined with the telephone audit information, it will make a final judgment on the user's credit card audit.

3. Initiate a credit card application through the official account of credit card WeChat.

Users can also apply for a credit card through the official WeChat account of the bank. The official WeChat account has become an important bridge between banks and users. Many of the bank's businesses can be realized through the official WeChat account. There is a special credit card application channel in the official WeChat account, and users only need to apply for a credit card according to the guidelines of the official WeChat account.