Hello, first of all, our credit cards are shared. A dual-currency card can have two rows of choices. For example, VISA, MasterCard, JCB and American Express are all international credit card organizations, among which VISA has the widest coverage, and the special merchants are mainly concentrated in North America, Asia Pacific and other regions; MasterCard's special merchants are mainly concentrated in Europe, Southeast Asia and other regions; JCB- Japan Credit Card Co., Ltd., the special merchants are mainly concentrated in Japan; American Express has issued American Express cards in 49 currencies in 68 countries and regions, and has more than 60 million high-quality cardholders worldwide. After the successful application, the basic functions of the card are the same, but the credit card quota is different, the special merchants are different, and the promotion activities abroad are different. You can choose to keep one according to your own needs.

The annual credit card fee of China Merchants Bank is RMB 100/year for ordinary cards and 300 yuan for gold cards. The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period under the credit card number, and the previous date is the issuing date), which is not a natural year. Successful bid for China Merchants Bank credit card (except for unlimited card/platinum card/business card /ANA co-branded card /VISA MINI card /MSN MINI card /VOGUE titanium card /HELLOKITTY fan gold card Miss KITTY perfume credit card), the first-year annual fee will be reduced in advance by China Merchants Bank credit card or partners, and you will spend six times on a single card within one year after your card is valid (from the date of spontaneous card issuance). And this offer is valid for a long time before the change notice of the new annual fee preferential policy.

If you have any other questions, please open www.cmbchina.com, the homepage of China Merchants Bank, and click "Online Customer Service" in the upper right corner to enter the consultation.