The reasons why China Merchants Credit Card can't be collected politely are: it doesn't meet the collection conditions, the activity has ended, and network problems.

1. Cancellation of eligibility: The "Experience Courtesy" activity of China Merchants Bank's credit card has certain eligibility conditions, such as requiring the card processing time to be within a certain period of time or requiring the first payment amount to reach a certain standard. If you do not meet the requirements, you will not be able to receive the gifts for this event.

2. The activity has ended: China Merchants Bank's credit card "Experience Courtesy" activity is only conducted within a specific period of time. If you miss the activity time, you won't get the gift.

3. Network problems: Sometimes you can't get it because of network connection problems. You can try changing the network environment or clearing the browser cache and try again.