Minsheng Bank credit card gold card specific amount depends on your conditions, everyone is different. It depends on the individual's economic situation and credit level.

Generally, the credit card gold card quota of Minsheng Bank ranges from1-50,000. The annual fee of Minsheng Bank Credit Card Gold Card is 300 yuan RMB, and the interest-free period is as short as 25 days and as long as 56 days. If you use a credit card that exceeds the credit limit, the part that exceeds the credit limit will be charged at an annual interest rate of 5.00% per day, with a minimum of 10.00 RMB/1.00 USD. Minsheng Bank's credit card gold card is exempt from the annual fee in the first year, and the annual fee in the following year can be exempted if you swipe your card for 8 times.

Extended data:

1. Pay attention to two dates: bookkeeping date and repayment date.

Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.

2. Credit card information protection.

The three key information on the face of a credit card: the expiration date and the CVV code, affect your card security, especially the CVV code, which is as important as the password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.

3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.

Generally, you can avoid the annual fee by swiping your card six times.

So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.

4. Choose the repayment method that suits you best.

In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment. Credit card repayment methods include Alipay repayment, debit card binding automatic repayment, UnionPay online repayment, online banking transfer repayment, Tenpay repayment and so on. So, choose the way that suits you and repay in the quickest and most convenient way!

5. If you can't, or delay repayment due to something, you can call customer service to apply for deferred repayment.

That is to say, if your funds can't be turned over temporarily, or repayment is delayed due to some things, then don't worry, call the bank customer service immediately and apply for an extension of repayment for one to three days. General bank customer service will help you postpone! You can also use multiple credit cards to do it backwards. If you don't know how to hang upside down, you can trust me privately.

6. What if the funds are tight? Apply to change the accounting date and extend the interest-free period.

When applying for changing the bill date, we should pay attention to calculating the bill date and time, enjoy the longest interest-free period, and relieve the pressure of tight funds. However, this skill is not available every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change once in their lifetime!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges for credit cards can call customer service and bargain with customer service to apply for cancellation of unreasonable charges. If the customer service doesn't agree, you can stick to the complaint in the end and generally win the case.

8. Use credit cards carefully.

Credit card installment interest is very high, even if it is interest-free, the installment fee is not cheap, so use it carefully and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except for those who want to increase the credit card limit as soon as possible.

9. Pay attention to various credit card consumption traps.

It should be reminded that we should always be alert to various credit card consumption traps, such as the credit line provided by Bank of Communications and the financial resources provided by Guangfa Bank. These are similar micro-credit loans with extremely high interest rates. If it is sold by a credit card specialist, they will all refuse, and anyone who sells insurance with a credit card will refuse!

10, try not to use it for cash withdrawal.

Credit cards cannot be used to withdraw cash. You don't approve of withdrawing cash by credit card unless you need emergency, which is very urgent. The handling fee and interest can't be hurt! Remember, credit cards are used for consumption, not cash withdrawal! If the situation is urgent, you can communicate with Bian Xiao and suggest how to take it out.

Is Minsheng bank credit card free in the first year? What does that nuclear card mean?

Minsheng Bank Credit Card Annual Fee

Puka main card 100 yuan, Puka auxiliary card 50 yuan, Golden Card main card 300 yuan, Golden Card auxiliary card 150 yuan.

The annual fee is free in the first year of card opening, and the annual fee is free when swiping the card for 8 times in that year. More specifically, the annual fee for the first year is free. Credit card 8 times in the first year. If the amount is not limited, the annual fee is free in the second year.

There are many kinds of Minsheng cards, some of which need to be swiped once a month (unlimited amount) to avoid the annual fee of the current year, and then swiped seven times, a total of eight times, to avoid the annual fee of the following year;

The card verification date is the date when you receive the message that the card has been approved and will be sent today.

How to use the credit card of Minsheng Bank?

The use of Minsheng Bank's credit card:

1, POS card swiping: swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname.

Select the corresponding POS machine according to the issuing bank and the currency to be paid, brush the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank and pay, and input the corresponding amount.

After receiving the information of remote payment, POS will print a credit card payment receipt (at least two copies), and the cardholder will sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.

2.RFID card swiping: swiping a card on an RFID machine is a new credit card usage mode and networking mode. When picking up the card, the operator must first check the validity period of the credit card and the cardholder's last name. Select the corresponding punching machine according to the issuing bank and the currency to be paid, enter the corresponding amount, and lay the credit card flat on the sensor for no more than 10cm.

After the RFID machine senses the credit card, it will send out a signal sound and then continue to run the program. After the remote payment receives the information, the printer will print out a receipt for credit card payment, but unlike the previous method, the cardholder does not need to sign, which is faster and more convenient than the previous method. At this point, the card swiping induction program on the RFID machine is completed.

3. Manual page: Manual page is usually used without POS or Internet connection. The pressing operation must have a pressure-sensitive copy of the Direct Purchase Order (at least two copies) and a telephone. The inspection before pressing the order is the same as that of the POS machine.

The operator uses the credit card press to print the name of the credit card on the purchase order, and write down the amount, date and other information, then calls the authorization hotline of the acquiring bank to report the card information and apply for authorization, writes the obtained authorization code on the purchase order, and the cardholder signs it after confirming it is correct. After checking the signature, the operator gives the cardholder a copy of the credit card and the order form. At this point, the manual pressing procedure is completed.

Authorized calls are usually made immediately. In some areas with poor communication or good credit discipline, merchants will encounter the situation that they will deliver the goods after signing the card to complete the transaction. Authorization will be completed in the future, but the merchant is at risk of encountering a credit card (if the customer pays with an invalid card and does not apply for an authorization code immediately, it will not be discovered immediately).

4. Online payment: From the cardholder's point of view, online payment is considered to be one of the most risky payment methods for credit cards, because malicious people may use phishing, eavesdropping on network information, fake payment and other means to steal user information.

When paying online, you need to enter the validity period of the credit card, the number of Visa CVV2/MasterCard CVC2/ UnionPay CVN2 next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter your name, the verification code randomly generated by the webpage, etc. After the input is completed, click Submit to complete the online payment.

5. TV and telephone transactions: similar to online payment, information such as requirements, validity period, Visa CVV2 code/MasterCard CVC2/ UnionPay CVN2.

Extended data:

Matters needing attention in using credit cards of Minsheng Bank:

1. Long-term empty card status: In order to reduce risks, many people make small repayments and swipe their cards out. For example, if your credit card has a limit of 20,000 yuan, you only need to pay back 2,000 yuan each time. It is a very bad phenomenon to repeat the operation after swiping out, so that the credit card will always have an empty card.

2. Short credit card interval: the intermediary holds a large number of credit cards. In order to save time, several credit cards will be swiped repeatedly on the POS machine. The interval is relatively short. According to the general process, you need to queue up for checkout. After the previous person swipes the card, he needs to sign the invoice. It takes a long time for the next person to operate after the completion, so the credit card cycle will attract the attention of the bank.

3. Frequent card swiping: Short and frequent card swiping intervals will lead to bank risk control. Many intermediaries do not have funds, and a large amount of funds need to be turned over for a long time, so a credit card will be swiped repeatedly within one day. Some people will say that it is easy to raise the amount by swiping more credit cards, but such frequent swiping behavior is definitely not recommended.

4. Raising cards with cards: Nowadays, many people are "raising cards with cards" and have more than one credit card in their hands. Generally, people who do this have two behaviors. One is to use the money in one credit card to pay off the debt in another credit card, and the other is to cash out. In fact, they are all similar in nature, and they are all "robbing Peter to pay Paul".