If the China Merchants Bank credit card passes the initial review, it may still be rejected, because there is an interview and final review after the preliminary review. Generally, if you pass the preliminary review but are rejected for the visa interview, most of the reasons are because the information is untrue and there is fraud. Therefore, as long as all the information you provide is true and complete, the chance of being rejected is very small. During the interview, you need to bring your original ID card to the China Merchants Bank counter. Whether the card can be issued after the interview is subject to the final review result.

Passing the preliminary review means that the preliminary review conditions are in compliance with the bank's regulations, but it does not mean that the card can be issued. China Merchants Bank's credit card review is divided into three steps. Only after passing the preliminary review will the repayment ability and Review of credit qualifications.

The application conditions for China Merchants Bank credit cards are:

1. Chinese residents, foreigners permanently residing in the country and compatriots from Hong Kong, Macao and Taiwan who are over 18 years old, have full capacity for civil conduct and have good credit standing. You can apply for a China Merchants Bank credit card personal card master card from the card issuer with your valid identity document.

2. The principal cardholder of a personal card can apply for a supplementary card for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. Supplementary card application materials must be confirmed by the primary cardholder's personal signature, customer service call recording, electronic signature, or a method mutually recognized by the cardholder and the card-issuing bank.

3. It should be noted that the main cardholder of the supplementary card can apply to cancel the supplementary card at any time.

4. The supplementary cardholder and the principal cardholder *** use the same account credit limit. The principal cardholder can set the use of the supplementary card within a billing cycle in the account credit limit. limit.

The specific application materials that need to be provided are:

1. Proof of identity: The cardholder’s valid ID card. Military personnel must provide a copy of their military ID card.

2. Legal and valid proof of work income: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal) ), or a copy of the work permit/plate.

3. Proof of personal current financial resources: bank salary records, income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments, etc. that can prove your financial level.

Applying for a China Merchants Bank credit card generally requires passing the preliminary review. Please note that you can generally get a credit card if you have good credit and proof of repayment ability. It takes 7-15 days from passing the review to getting the credit card.