High. China Merchants Bank Credit Card is issued to the public by China Merchants Bank Co., Ltd. and provides cardholders with a certain credit limit. The bank has a high pass rate of three-level approval. Credit cards are a key source of banking business income. The success rate of bidding is very high, reaching 80%. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.