1. Account status is abnormal: Minsheng Bank account is frozen, deactivated or frozen, and consumption funds cannot be used.

2. Overdue repayment: the credit card or debit card has overdue repayment, or the credit card has overdue account, and the minimum repayment amount of the bill has not been paid in the last month, or other debts of China Minsheng Bank Credit Card Center have not been paid, so it is impossible to use consumption funds.