The money owed to the Minsheng Credit Card has not been repaid, but someone else has issued a personal cash check. In such a situation, you usually cannot get cash. Because if you do not repay the debt for a long time, there will be problems with your credit report at this time. When you go to the bank, you will probably have to deal with the previous debt first. After the debt is settled, there will be no money in five years. No questions asked. If you are not on the credit blacklist, you may still get money.

1. Purposes of cash checks

Reserve funds, employee wages and allowances, personal labor remuneration, science and technology, culture and art, sports and other types of bonuses. Various labor insurance benefits awarded to individuals in accordance with state regulations, user fees stipulated by the state for individuals, prices for purchasing agricultural and sideline products and user materials from individuals, travel expenses that business travelers must carry with them, and settlement of sporadic expenses below the starting point. The People's Bank of China has determined that users need to pay cash. Customers who have opened a basic deposit account or a temporary deposit account at a bank can use cash checks to withdraw cash from the bank if they need to spend wages, travel expenses and reserve funds. Units and individuals who open cash collection and payment deposit accounts in banks can use cash checks to entrust the bank to pay cash for various funds that comply with the requirements of the "Bank Account Management Measures" and "Cash Management Regulations".

2. Methods of handling cash checks

1. Issuing a check: The customer issues a cash check according to the company's conditions and stamps the reserved bank seal. 2. Present for payment: The payee hands the cash check to the drawer's bank for payment. When presenting a cash check, the payee should sign the "Payee's signature" on the back of the cash check. If the holder is an individual, his or her ID card should also be submitted, and the name, number and issuing authority of the certificate should be noted on the back of the cash check. 3. Receive cash.

To sum up, cash checks must be processed in person at the bank. You need to go directly to the payment company or personal bank to withdraw cash with your ID card. When cashing a check, you should sign it in writing and indicate the ID number and the public security authority of the place of issuance, and present your ID card at the same time.