Minsheng Bank credit card can be overdrawn, but the excess cannot be used for transfer and cash advance.

The maximum credit card limit of Minsheng Bank generally does not exceed 10% of the original credit limit. Cardholders can call the 24-hour customer service hotline 4006695568 to apply for opening the over-limit consumption function, or edit the "last four digits of KC card number" reserved by the bank and send it to 106902895568 for opening. After the over-limit function is enabled, the cardholder will charge an over-limit handling fee of 3% of the over-limit consumption amount, starting from 10 yuan.