Using an international credit card is very helpful in successfully renting a better quality vehicle, as overseas car rental agencies generally believe that users with international credit cards have undergone strict bank reviews, indicating a higher level of customer creditworthiness and security. This reduces the risk for the rental company.
Finally, the mystery was revealed - the reason for the credit card rejection was actually: I went to the credit card department of the branch to handle it, instead of having the bank's credit card department staff come to me.
However, a proud piece of evidence that Ma Weihua and the employees of China Merchants Bank can cite is that back in the day, Ma Weihua also rejected the bank’s credit card business... (Note: The last part seems incomplete or unclear in the original text).