The credit card integral value of China Minsheng Bank is relatively high in terms of the credit card integral of the bank used. In addition, China Minsheng Bank has several advantages. First, the installment service 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.

The disadvantage of China Minsheng Bank's credit card is that there are few 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.