No, it is more convenient to have a card of China Merchants Bank, but it is more convenient to apply for a credit card, because it is easier for banks to approve funds through a card account. Secondly, they need to meet the application conditions of China Merchants Bank, as follows: 1, and the applicant is between 18-60 years old; 2. Have a stable job and income; 3. Personal credit record is good.

Application material

1, identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of the military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/license;

3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove the financial level.

4. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.