China Merchants Bank Credit Card: The most important application conditions are that you are 18-60 years old, have a stable job and income, and the necessary application documents are "copy of identity certificate" and "employment certification document". If you can provide other financial support documents, it will be more helpful to understand your personal situation and determine your credit limit. Proof of financial resources can be documents such as salary records issued by the bank, income tax withholding certificates, or copies of real estate certificates/car driving licenses/bank time deposit certificates that can prove your financial level. Other reference documents: social insurance personal account list in the past 6 months, water and gas bills, credit card bills from other banks, etc. Warm reminder: The issuance of the credit card will be subject to the final review result

If you fail to return the "minimum payment" of the bill in time before the due "payment date", late payment fees and interest will be charged, and Will affect your personal credit. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the next day after consumption), with a daily interest rate of 0.5% until you pay it off in full.

To avoid affecting your personal credit, it is recommended that you repay the bill on time; if it is not convenient to pay off the bill in full, please pay off at least the minimum repayment amount on time.