Minsheng Bank is the earliest private commercial joint-stock bank established. Although Minsheng Bank still lags behind China Construction Engineering Corporation, it has been developing rapidly and ranks at the forefront among joint-stock commercial banks.

Minsheng Bank issued its first credit card in 2005. By the end of 2017, the cumulative number of cards issued exceeded 30 million, and the cumulative account activation rate was as high as 76.5%. This beautiful report card shows the leading position of Minsheng Credit Card in the industry. .

Minsheng Bank: I like those with academic qualifications for home loans and car loans

Minsheng Credit Card is recommended for those who need a large credit card. Basically, other banks may not be able to reach particularly high limits (1 -30w)

Men can choose the in card, and women can choose the woman card, which has a high passing rate.

Advantages and disadvantages of Minsheng Bank credit card.

Advantages:

Minsheng Bank has a relatively high tolerance for debt ratios. Complete systematic assessment of debt ratio. Unlike banks such as Guangfa and China Merchants Bank, it is difficult to increase the credit limit if the debt ratio is high or there are many credit cards.

Those who pay attention to assets (especially real estate) and own houses have a very high success rate in applying for a card online.

The Minsheng Credit Card cash withdrawal fee is relatively low (a cash advance fee is 0.5% with a minimum of 1 yuan, and an inter-bank fee is 1% with a minimum of 1 yuan, and a daily fee of 10,000 yuan is charged from the date of cash withdrawal Interest will be charged on the fifth)

It does not require too much time deposit financing to increase the limit (very different from the four major banks)

Whether applying for a Minsheng Bank credit card, increasing the limit or Loans are relatively easy to get results

Disadvantages:

Minsheng debit cards have little to do with credit cards. The turnover or deposit may only be useful when applying for the card. After the card is applied, the amount will be increased according to the computer system, and it has nothing to do with the turnover deposit.

There are not many outlets (compared to the Workers’ and Peasants’ China Construction)

Many Minsheng online purchases do not have points

Preparation of card application materials:

2. Applicant’s work certification documents (copy of work permit, work certification document issued by the work unit, copy of professional qualification certificate, copy of joint name. General The more stable the job, such as state-owned enterprises, civil servants, and banks, the higher the quota will be, while individuals in private enterprises will have lower quotas).

3. Documents proving the applicant’s financial resources (such as bank salary records, income certificates issued by the unit, income tax withholding certificates, self-owned real estate certificates, self-owned vehicle certificates, ICBC time deposit certificates, etc.) Having a car, high income and high deposits can guarantee a high credit limit, but don’t worry, generally speaking, the credit limit of China Minsheng Bank will be higher than that of the four major banks).

4. The applicant has no bad credit record (whether the applicant’s credit status is good plays a decisive role in the success of applying for a credit card, therefore, cardholders applying for a credit card need to maintain a good credit record).

Tips for increasing the limit of Minsheng Credit Card

1. Diversify consumption and issue high-quality bills to increase the limit: Generally applicable - small amount, frequent use, physical stores, and occasional installment methods People's livelihood is no exception. The fewer online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for a limit increase. The amount of credit card swiped should be as large as possible, and the total consumption amount within half a year should be at least 30% of the amount. Make as many purchases as possible, with an average of more than 10 purchases per month. If there are more than 20 purchases, it will be easier to increase the limit.

2. Upload proof of financial resources to increase the limit: Uploading proof of financial resources, proof of business flow, and applying for a card with a card are the simplest and most effective ways to increase the limit. Minsheng Bank is more recognized. It is easier to submit the real estate certificate, car license, business license and other information to the bank to increase the credit card limit.

3. Installment increase: Installment is basically the basic rule for every bank to increase the amount, and the same applies to Minsheng Bank.

4. Overseas consumption quota increase method: Minsheng Bank specifically recognizes overseas consumption. Minsheng Bank will provide temporary quota for overseas consumption.

5. Curved limit increase method: Generally, curved limit increase involves re-applying for a new credit card.