Malicious overdraft means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it after being collected twice by the issuing bank for more than 3 months, which shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

The minimum repayment amount can be set for overdraft credit card consumption.

Whether overdraft withdrawal can be used as the minimum repayment amount varies from bank to bank.

The specific operation must be communicated with the bank's credit card account manager.

Minsheng bank credit card customer service: one four, two zeros, two sixes, 95568

You can also log on to Minsheng Bank website-Credit Card-Online Customer Service.