Fintech is now growing at a geometric speed, and the Internet, cloud computing, big data and artificial intelligence are reshaping the global financial industry with an irresistible trend. The value of financial informatization is to improve the efficiency of financial operations, reduce business costs, and enable corresponding processes to meet regulatory requirements. Faced with a complex competitive environment, how to use information technology to improve business levels has become one of the most pressing issues facing the banking industry today. This article takes the application of fintech on China Merchants Bank credit card as an example, and explains the application process of the first, middle and last three paragraphs in the application of credit card business. The data comparison method confirms that commercial banks should vigorously develop the important task of fintech. <<