According to Article 7 of the Credit Card Charter of China Merchants Bank (Ninth Edition):

China residents who have reached the age of 18 and have full capacity for civil conduct and good credit standing, foreigners with full capacity for civil conduct and compatriots from Hong Kong, Macao and Taiwan with full capacity for civil conduct can apply for personal credit card master cards with their valid identity documents.

Among them, good credit is a requirement for personal credit. Credit has become a "black household" and does not belong to the scope of good credit, so it is fake.

Personal cardholders can also apply for supplementary cards for specific natural persons with full civil capacity or natural persons with limited civil capacity.

Extended data:

According to Article 7 of the Credit Card Charter of China Merchants Bank (Ninth Edition):

When applying for a credit card for the first time, the applicant shall fill in the application form correctly, completely and truthfully according to the regulations of the card issuer, sign it in person and submit the relevant certification documents required by the card issuer.

According to the credit status of the applicant, the card issuing institution decides whether to issue a card, whether to require the applicant to provide a guarantee and the way of guarantee, and determines the way and type of obtaining a card, the credit limit of the approved account, the overdraft interest rate of the approved account and the minimum repayment ratio. Application materials that have not been approved by the card issuer will not be returned.

China Merchants Bank-Credit Card Articles of Association of China Merchants Bank (9th Edition)