1. Age: 18~65 years old, with full capacity for civil conduct;

2. Credit conditions: good credit and no bad credit record;

3. Income conditions: there is a stable source of income, which can guarantee timely repayment every month;

The required documents include:

1, identification: generally, it is an ID card, and soldiers need to provide a copy of their military ID cards;

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 it can be a copy of the work permit verified and marked by the sponsor;

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 your economic 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.

For the first time, it is recommended to apply for a universal credit card of China Merchants Bank. The pass rate is relatively high, with places ranging from 1 0,000 to 1 0,000. You can apply for an increase in the quota in the future. The specific amount needs to be determined by the bank according to its comprehensive qualification evaluation.