Personally, it is generally because there are too few outlets and repayment is too inconvenient. However, Minsheng Bank's credit card is stronger than other banks, that is, cardholders are free of handling fees at any outlets of Minsheng Bank (including the same city and different places) or ATMs. If they withdraw cash from ATMs in other banks, the handling fee rate will drop to 1%. But you still have to charge five ten thousandths of interest every day. Other banks basically have to pay a handling fee for credit card withdrawals. If there is a Minsheng Bank near your home and unit to facilitate repayment, you can consider setting up one.

How about Minsheng Bank credit card?

Not bad, but it needs to be selected according to its advantages and disadvantages. After all, the choice is still in the hands of individuals.

Judging from the credit card points used by banks, the credit card points of Minsheng Bank are relatively high.

Advantages:

First of all, the installment payment business of the People's Bank of China's credit card will not occupy the credit card usage quota. And there is no charge for withdrawing cash by credit card.

More importantly, if you are a gold card user of China Minsheng Bank, you can also enjoy lawyer services and business travel reservations.

Finally, the ID card he provided is very personalized and can be customized by users, but it requires users to pay a certain business card printing fee.

Disadvantages:

Or the shortage is mainly reflected in the small number of business outlets, and users may feel a little inconvenient when they need to handle related business at business outlets.

Another is to support Alipay consumption. But for this consumption, there are consumption restrictions. Single consumption shall not exceed RMB 1000, and the maximum daily cumulative consumption is RMB 5,000.

But this limit should be enough for us ordinary users.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

Main types

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

How about Minsheng Bank credit card?

Minsheng bank credit card is not bad.

China Minsheng Bank was formally established in June 1996 65438+ 10/2. It is the first national joint-stock commercial bank mainly initiated by private enterprises in China.

China Minsheng Bank Credit Card Center, as a branch-level franchise institution of Minsheng Bank, was established with the approval of China Banking Regulatory Commission on August 1 1 2006. After fourteen years' accumulation, it has become one of the leading brands in the credit card industry in China. Minsheng Credit Card Center has set up 1 12 branches nationwide, with nearly 10000 employees nationwide.

By March 2020, the cumulative number of cards issued by Minsheng Credit Card exceeded 58 million, and all indicators continued to lead the industry.

Products and services:

Since Minsheng Credit Card was issued, it has actively explored the market and deepened customer segmentation. Established a complete product system, launched more than 100 products, covering five major product lines, and cooperated with five major international credit card brands such as China UnionPay, VISA, MasterCard, JCB and American Express, involving seven overseas currencies.

The products issued range from Puka, Gold Card, Platinum Card, Diamond Card to Black Gold Card, covering all consumer classes and meeting all kinds of consumer needs of customers.

This is the end of Ming Sheng Bank Credit Card and Ming Sheng Platinum Credit Card. Did you find the information you needed?