Minsheng All-Currency Credit Card is an international EMV standard chip credit card. It not only has a traditional magnetic stripe identification system, but also uses a highly integrated chip as an information carrier, laying the foundation for the security and function expansion of credit cards. A solid foundation. Minsheng's all-currency credit card has all the financial functions of traditional magnetic stripe credit cards, while providing cardholders with higher security and a more convenient payment experience.

Minsheng’s all-currency credit cards use advanced chip encryption technology to effectively reduce the risk of financial fraud such as bank card duplication, making cardholders safer and more secure when using their cards.

Minsheng All-Currency Credit Card is a composite card that uses "chip + magnetic stripe". Transactions are prioritized through the chip. When the machine does not support chip transactions or the chip transaction fails, the transaction can also be completed through the magnetic stripe. transactions to ensure smooth transactions for cardholders.

Extended information

The basic functions of Minsheng’s all-currency credit cards are as follows:

1. Revolving credit, which facilitates advance consumption.

Minsheng Credit Card will flexibly grant credit limits based on your credit status. You can spend within the credit limit first and repay later, and enjoy an interest-free repayment period of up to 51 days. Minsheng Bank will apply for a temporary limit increase for customers based on their comprehensive card usage, and will proactively increase the permanent limit for customers who continue to use their cards in good condition.

2. Bills are optional and accounts are easy to control.

You can freely choose between electronic or paper bill forms, and you can directly send text messages to the designated number to check your account status in real time, allowing you to easily grasp consumption information when you are often traveling.

3. Multiple ways to repay, saving time and worry.

You can choose to repay by transferring or depositing cash at the counter of a Minsheng business outlet or at an ATM self-service machine. You can also transfer and repay via online banking or telephone banking. You can also apply for a Minsheng debit card and transfer it to your bank account. It is associated with a credit card account for automatic repayment, and multiple repayment methods save you time and worry.

4. Permanent points can be redeemed for gift miles.

“Permanent Points, Unlimited Gifts” Minsheng Bank has launched a points accumulation system for cooperative merchants. The consumption points of many well-known merchants are combined, and you can choose from exciting gifts, and you can also redeem airline miles at great value.

The consequences of an overdue credit card are as follows:

1. Liquidated damages, usually 5% of the unpaid portion of the minimum repayment amount.

2. The interest is high, and the interest is compounding. The interest rate is very scary when the debt is large.

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay the debt multiple times, you will not only have to bear the repayment, but may also bear criminal liability.

Minsheng Bank Credit Card Center-Full Currency Credit Card

Baidu Encyclopedia--Credit Card