After opening a Minsheng Credit Card, cardholders can swipe their cards to make purchases in supermarkets, restaurants, hotels, etc. As long as the merchant has a POS machine, they can swipe their credit cards. In addition to swiping cards offline, cardholders can also bind their credit cards to Minsheng Bank’s mobile banking for online payment, or bind them to third-party payment software such as Alipay and WeChat.

The above is about the overdraft consumption function of credit cards. In addition to consumption, credit cards can also withdraw cash at bank counters and ATM machines. The cash withdrawal limit is generally 50% of the credit card limit.