How many types of credit cards do Minsheng Bank have?
Minsheng Bank's credit cards can be divided into white diamond series, standard card series, business card series, women's flower series, special theme series, department store series, air travel series, car series, club series, etc.
Common sense
Common sense about Minsheng Bank’s credit cards
No annual fee policy: Swipe the regular card 8 times and the gold card 3 times to waive the annual fee for the following year (Pacific The first-year annual fee is waived if you swipe the co-branded card once within 3 months).
Cash withdrawal handling fee: RMB: free for our bank,
cash advance amount from other banks: 1, minimum RMB 1 yuan, foreign currency: 3 cash advance, minimum USD 3.
Maximum interest-free period: 50 days.
Multi-account handling: Daily average daily limit bill repayment is ***enjoyed.
Online payment: The single transaction limit for non-signed customers is 1,000 yuan, and the single-day limit is 5,000 yuan; after going to the bank to become a contracted customer, the single-transaction and single-day limit are the maximum amount of the credit card.
Instalment business: Supports interest-free installments (3, 6, and 12 installments) from specially designated merchants. Free installment currently only supports female flower cards.
Billing date: The 1st, 3rd, Saturday, 9th, 13th, 1st Saturday, 21st, 2nd Saturday and 28th of each month are the billing days, which can be changed once per calendar year.
Card types: regular card (limit 0-10,000 yuan), gold card (limit 10,000-50,000 yuan), platinum card (limit 100,000-300,000 yuan), diamond card (limit 300,000 yuan) 10,000-3 million) coins. Type: RMB, RMB/USD.
What does the Minsheng Bank credit card number start with?
The Minsheng Bank credit card number is 16 digits. Among them, UnionPay single-currency credit cards start with the number 6, credit cards with the VISA logo start with the number 4, credit cards with the MasterCard logo start with the number 5, and some high-end platinum cards for overseas consumption start with the number 3.
For specific situations, users can make inquiries through the following four channels: 1. Online banking inquiry; 2. Customer service telephone inquiry (95568 or 4006695568); 3. Mobile banking inquiry; 4. Bank counter inquiry.
The current 16-digit credit card is stipulated by international standards. Generally, the first 6 digits are BIN, which is assigned by the international card organization. Those starting with 6 are China UnionPay single currency cards (or American discover), those starting with 4 are international brand VISA credit cards (the world's number one credit card organization), those starting with 5 are international brands MASTERCARD, and those starting with 3 are Japan's JCB and the United States' AMERICAN EXPRESS. The 7th to 15th digits are assigned to each row according to their own needs according to their regional affiliation, and the 16th digit is the check digit. Other non-16 digits are allocated by each bank.
Credit cards have great connotations. Currently, most banks have opened cardless services, which is particularly important at this time. Cardholders need to be careful to prevent their credit cards from falling into the hands of others and pay more attention when using the cards. The following are suggestions to prevent credit card leaks and use cards safely:
1. When shopping in shopping malls , shield your credit code from being seen by others around you.
2. Keep credit card transaction receipts and do not throw them into the trash can. Be sure to tear up any parts before throwing them away.
3. Compare the credit card transaction receipt with the monthly statement. If there is any abnormality, call the bank customer service in time to inquire about the situation.
4. Register with your card-issuing bank to review your online statement.
5. Signing means it takes effect, so everyone must check the total amount of the bill before signing.
6. Never sign a blank credit card statement, because if you sign a blank credit card statement, others can make any changes and additions to your statement, which is very dangerous.
How many types of Minsheng Bank credit cards are there?
Minsheng Bank’s credit cards can be divided into: White Diamond Series, Standard Card Series, Business Card Series, Women’s Flower Series, Special Theme Series, Department Store Series, Air Travel Series, Car Series, Club Series, etc.
How to increase the credit limit of Minsheng Bank’s credit card
Need to temporarily increase the credit limit
You can apply to increase the temporary credit limit for various credit cards of various banks. If a customer needs to increase the temporary credit limit, he or she can call the bank's credit card center to apply for a temporary increase in the credit limit within a certain period of time. After the specified time, the credit limit will be adjusted back to the original fixed limit.
Call the bank's credit card center
Generally speaking, the credit limit is comprehensively assessed based on the information filled in by the individual when applying for a credit card and the relevant supporting documents provided. The main card and supplementary card* **Enjoy the same quota. So, can customers apply to increase the temporary credit limit? When customers need to use a higher credit limit within a certain period of time due to traveling abroad, decorating a new home, getting married, or having their children study abroad, the bank's credit card center can provide them with an increase in the credit limit. Temporary credit limit allows customers to fully enjoy the convenience of adjusting the credit limit.
Which card is better to apply for Minsheng Credit Card
If you want to apply for Minsheng Credit Card, which credit card is better to choose actually depends on your personal card application needs and repayment ability.
In addition, the types of Minsheng Bank Cards include:
1. Ordinary Card: The limit is 3,000-10,000. The annual fee of 100 is waived once in the first year and 8 times in the following year. The following year
2. Gold Card: The annual fee is RMB 300 for the limit of RMB 10,000 to RMB 50,000. The first-year annual fee is waived when you open the card. If you swipe the card 8 times in the same year, the annual fee for the next year is waived for any amount
3. Standard Platinum Card: 50,000-100,000 annual fee of 600 is waived for 8 times in the first year without limit, and annual fee is waived when spending 50,000 or more in the following year
4. Deluxe Platinum Card: 100,000-100,000 The annual fee is 200,000, and the annual fee is waived after 3,600 purchases of 960,000.
5. Diamond Card: The annual fee is 200,000 to 1,000,000, and the annual fee is waived after 10,000 purchases of 2.7 million.
If you still have doubts, you can go to the Minsheng Bank Business Center to consult the relevant staff about the specific credit card application conditions and limits. In short, you should choose the type of credit card that best suits you based on your needs.
Minsheng credit cards are quite good. If you want a high limit, apply for a platinum card or diamond card. If you want to shop online or have other needs, you can apply for the corresponding card.