This means that if the store where you consume is invited by China Merchants Bank to make POS purchases at this store, the points of this credit card will be more.

In POS transactions, there are several elements: card issuing bank, acquiring bank, merchant, clearing agency, and cardholder.

If the acquiring bank of the POS installed by a merchant is China Merchants Bank (that is, China Merchants Bank installed the POS for it), then this merchant is a special merchant of China Merchants Bank. Special merchants of China Merchants Bank can accept consumption with other bank cards. Therefore, the special merchant has nothing to do with whether you can pay in installments.

The business that some banks are now offering to purchase certain types of goods and pay in installments as long as you pay additional handling fees is a value-added business for credit cards and has nothing to do with special merchants.

Some banks also select some merchants to provide preferential services to cardholders of certain cards of the bank. Such merchants are called "preferential merchants", which is different from the concept of special merchants.

China Merchants Bank is the first joint-stock commercial bank in China that is entirely owned by corporate legal persons, referred to as China Merchants Bank. It was established on April 8, 1987 by Hong Kong China Merchants Group Co., Ltd. , is the sixth largest bank in mainland China and one of the eight banks and five guarantees for Chinese financial stocks in Hong Kong.

The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22. Net capital exceeds 290 billion and total assets exceed 4.4 trillion. It has 113 branches and 943 sub-branches in more than 110 cities in mainland China, 1 branch-level specialized institution (Credit Card Center), 1 representative office, 2,330 self-service banks, one branch in Hong Kong (Hong Kong Branch), and one branch in the United States. It has a branch and representative office in New York, a Singapore branch in Singapore, and representative offices in London and Taipei.

In addition, it wholly owns CMB Financial Leasing Co., Ltd. and China Merchants Fund Management Co., Ltd. in mainland China, holds 50% equity interest in China Merchants Cigna Life Insurance Co., Ltd., and wholly owns Wing Lung Bank and CMB International in Hong Kong. FINANCE LIMITED.

In August 2016, China Merchants Bank ranked 39th among the "Top 500 Chinese Enterprises 2016".