Minsheng's credit card system is doing well, with less than 40 cards, and everything is available for eating, drinking, shopping and entertainment. In particular, the layout of aviation co-branded cards is longer 18cm than many banks such as China Merchants Bank, Shanghai Pudong Development Bank, China Everbright Bank and Ping An Bank, and they are all iron cocks in the ribs of aviation cards.
Bank of communications credit card. The preferential strength is relatively large, and the credit card preferential strength of Minsheng Bank is relatively small, so the credit card of Bank of Communications is better.
People's livelihood characteristics.
1) is easy to get off the card, which is guaranteed. Minsheng Credit Card is full, 1-65438+ 10,000 standard platinum, 50-10.5 million elite white,10-300,000 luxury white,10-500,000 AE white, 300,000 diamond cards, 500,000 black gold cards, 654.3.
2) The amount of money is OK. The new card will be raised for half a year, and then there will be a chance to flop every three months. Some people are favored once every three months, while others are even worse. If they stay alone in an empty boudoir for a year or two, they will miss you every day, which is probably the farthest distance in the world.
3) Interest-free period. The longest interest-free period is 5 1 day, and people's livelihood is so strong, which is one centimeter longer than Everbright and Pudong.
4) Temporary toxicity. During the use of temporary quota, fixed quota cannot be adjusted. It is dangerous not to wave colorful flags when you see wild flowers. The temporary quota for people's livelihood is relatively short, even less than one month, so it doesn't matter.
5) Slightly sticky. Sell insurance and commemorative coins, sell them in large installments, and give you send warm or something. Please bear it.
6) Loose risk control. People's livelihood is quite a general, and people in Jianghu call it a small ICBC. You can brush it, but I lost by reducing the card. If you are really shot, you can only blame yourself for being cruel.
7) Grace period. There is a three-day grace period every month. If you don't repay after the grace period, you won't apply for credit immediately. You only need to pay off the arrears or the minimum repayment amount before the next billing date 17:00, but there will be liquidated damages and interest.
8) Don't mind Cardo. Commercial banks are busy fishing for people, and it is not the most important thing to have more cards. I will give you as many cards as possible.
9) product point. Minsheng built a less powerful shopping mall with accumulated points. Platinum rights can be redeemed by accumulating points, and there are quite a few things that can be redeemed. The premise is that you are in a big city, a very big city, otherwise many rights and interests will not be enjoyed.
How about Minsheng Bank credit card?
Minsheng bank credit card is not bad.
China Minsheng Bank was formally established in June 1996 65438+ 10/2. It is the first national joint-stock commercial bank mainly initiated by private enterprises in China.
China Minsheng Bank Credit Card Center, as a branch-level franchise institution of Minsheng Bank, was established with the approval of China Banking Regulatory Commission on August 1 1 2006. After fourteen years' accumulation, it has become one of the leading brands in the credit card industry in China. Minsheng Credit Card Center has set up 1 12 branches nationwide, with nearly 10000 employees nationwide.
By March 2020, the cumulative number of cards issued by Minsheng Credit Card exceeded 58 million, and all indicators continued to lead the industry.
Products and services:
Since Minsheng Credit Card was issued, it has actively explored the market and deepened customer segmentation. Established a complete product system, launched more than 100 products, covering five major product lines, and cooperated with five major international credit card brands such as China UnionPay, VISA, MasterCard, JCB and American Express, involving seven overseas currencies.
The products issued range from Puka, Gold Card, Platinum Card, Diamond Card to Black Gold Card, covering all consumer classes and meeting all kinds of consumer needs of customers.
How about Minsheng Bank credit card?
Not bad, but it needs to be selected according to its advantages and disadvantages. After all, the choice is still in the hands of individuals.
Judging from the credit card points used by banks, the credit card points of Minsheng Bank are relatively high.
Advantages:
First of all, the installment payment business 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.
Disadvantages:
Or the shortage is mainly reflected in the small number of 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.
The main features of credit cards:
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and social needs.
Main types
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
Easy credit card! These five pictures are better and more fun!
Now, almost every young person will choose to apply for one or two credit cards to help them overdraw their consumption properly. Many people have asked 20 19 what credit card is easy to handle? Here, I would like to introduce some credit cards that are easy to pass.
20 19 Easy-to-pass credit cards include: Pufa Fan Deng Reading Card, China Merchants Bank YOUNG Card, Xingye Sohu Video Credit Card, China CITIC Bank Yanka- Kaiyunjin Carp, and Minsheng Standard Credit Card.
Pudong Development Bank Fan Deng Reading Card
Pufa Fan Deng Reading Card is a 20 19 credit card, which is relatively easy to handle and suitable for friends who usually like reading. The benefits of Pufa Fan Deng Reading Card include: studying in Fan Deng 100 VIP member, and Fan Deng Mall reduced the benefits of 66 yuan.
China Merchants Bank Youth Card
China Merchants Bank YOUNG Card is a very classic credit card, which has been popular for many years. All along, China Merchants Bank's youth cards are relatively easy. The benefits of China Merchants Bank YOUNG Card include: free handling fee for the first withdrawal every month, and double points in the birthday month.
Xingye Sohu Video Credit Card
Xingye Sohu Video Credit Card 20 19 Easy Credit Card, which is more suitable for friends who like online drama. The benefits of Xingye Sohu Video Credit Card include: if you purchase the installment products of Sohu Video Annual Card members in six phases through designated channels, you can enjoy the discount of installment free of charge, and you will be given an additional 1 Sohu Video Annual Card member.
China citic bank yanka-kaiyunjin carp
Judging from the current situation, CITIC Bank Yanka- Kaiyunjin Carp is also one of the credit cards that 20 19 can easily pass. The benefits of Yanka-koi fish of CITIC Bank are: 9 Starbucks coffees, and the maximum risk of 4-hour flight delay is 1 1,000 yuan.
Minsheng standard credit card
The design of Minsheng standard credit card is relatively simple, but it is really easier to apply. Minsheng standard credit card can provide you with the following benefits: the longest interest-free repayment period is 5 1 day, and there are 10000 preferential merchants nationwide.
How about Minsheng Bank MasterCard standard credit card gold card?
How about Minsheng Bank MasterCard standard credit card gold card? 300 yuan, the standard credit card of Minsheng Bank MasterCard, is exempt from the annual fee in the first year and 8 swipes in the following year. The longest interest-free period is 50 days, and the credit line 10000-50000 is 50% of the credit line.
What are the privileges of Minsheng Bank MasterCard standard credit card gold card?
Transaction password. UnionPay VIP card transactions involve the use of funds in the card, including in consumption abroad, and the transaction password must be used. Transaction password is an important means to ensure the safety of your funds. Please keep it properly to prevent leakage. If you enter the wrong transaction password three times in a day, the transaction password will be locked, and you can unlock the transaction password at our business outlets or through self-service banks.
Trading limit. Withdrawal or transfer through self-service channels (including self-service banking and online banking) may be limited by the amount or number of times. Please refer to the relevant regulations of the Bank for specific restrictions.
Validity period UnionPay VIP card is valid for five years, and will be stopped after expiration. Before or within 45 days after the expiration, you can go through the card replacement procedures at the business outlets of the card issuer, or through online banking or telephone banking.
Report the loss if the card is lost, report the loss in time. You can go to business outlets or through online banking or telephone banking. If you are not sure about yourself, you can call our service hotline to report the loss urgently. In order to protect your rights and interests, our bank stipulates that you will not bear economic losses after your card loss report takes effect. With the internationalization of UnionPay standard cards, overseas VIP card acceptance agencies will continue to expand.
Unionpay standard, universal. UnionPay VIP Card is a debit card series of Minsheng, which conforms to the technical standards and business norms of banks and China UnionPay. Settlement in RMB can be used in all business outlets of the Bank and self-service channels such as self-service banking, online banking and telephone banking. It can also be used in other bank outlets where the "counter" business outlets are located, and it can also be used in China UnionPay network covering all parts of China and the whole world.
According to the service level, UnionPay VIP cards include diamond cards and gold cards. You can choose according to your own financial strength and actual needs.
Extraordinary financial management, unlimited value-added. With UnionPay VIP Card, you can apply for Qian Shengqian, foreign exchange trading, open-end fund, self-service and tripartite depository and other rich financial services. Through personal online banking VIP version, self-service banking, telephone banking and other trading channels, your daily trading and financial management needs can be easily realized. We also provide you with easy Huitong service, so that the contracted customers can easily meet the remittance needs all over the country with one phone call, and the safe and convenient "account information instant messenger" can exchange money for you through SMS. You can enjoy the above products for a long time by signing a contract once.
Vip courtesy, showing honor. Using UnionPay VIP card, you can enjoy exquisite and distinguished "Minsheng VIP customer service", which mainly includes: VIP financial service channel, 3N VIP service and many services provided by China UnionPay for VIP cards.
What are the benefits of people's livelihood standard platinum credit card?
You can enjoy the following benefits:
1, go to the gas station to refuel and get the corresponding cashback.
2. You can enjoy efficient and caring medical services.
3. You can avoid the annual fee after swiping the card for a certain number of times.
4. Points earned by credit card consumption and other means can be used to redeem air miles.
5, you can enjoy the service of one yuan car wash.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Credit card advantage
Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.
You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).
It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
Special merchants who hold cards in banks can enjoy preferential treatment.
Accumulate personal credit, add credit records to credit files, and benefit for life.
Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )
Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )
Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )
Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.
The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.
Validity period: It is known that the validity period of domestic credit cards is generally three to five years.
Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.
Let's stop here for the introduction of Minsheng standard credit card.