Before graduation, the credit line will be temporarily sealed. By recharging first and then spending, cardholders can normally enjoy the benefits of China Merchants Bank credit card, such as catering discount, movie ticket discount and point accumulation, and can also enjoy the exclusive benefits of campus credit card, such as specific fee reduction and exemption. You can also accumulate personal credit information records from the time you study, and you will have the opportunity to enjoy a higher credit limit when you transfer your card after graduation. At present, it is temporarily impossible to apply for installment, and you can borrow cash in advance.