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China Merchants Bank’s Constellation Guardian Credit Card is a UnionPay gold card. It has launched twelve types of constellation credit cards. Each customer can apply for his own exclusive constellation card. May the stars be with you. Amount: 10,000-50,000 Interest-free period: Up to 50 days Cash withdrawal limit: 50% of the credit limit Minimum repayment: 10% of the minimum amount owed Points method: 1 point for every 20 yuan in RMB single transaction, USD Earn 1 point for every 2 yuan on a single transaction. Validity period of free points: Permanently valid. Application conditions: Applicants must be over 18 years old, have full capacity for civil conduct, have a legal and stable job and source of income, and have no bad credit record. The fee is 300 yuan per year, and the annual fee for the next year is waived if you swipe the card 6 times.