1. I don’t know which card is better, Hamm Paradise Card or Pacific Department Store?

If you often go shopping at Pacific Department Store, of course the latter is the best. This kind of card does not have ordinary points. All the points are counted as membership points of Taiping Department Store. In other words, the points you save through this card cannot be exchanged for bank gifts, but you can participate in many activities of Pacific Department Store. I have never applied for a Hamm Paradise card, but the meaning may be similar, just used at different merchants.

2. How can I cancel a Minsheng Bank credit card without opening it? (How do you call a human operator?)

You can log out. Telephone banking has a manual transfer service, probably in the last item. You have to listen for a while. Anyway, the 400 and 800 numbers are free.

3. Can I cancel at the bank counter?

It’s better to call, why bother to make a trip

4. Will there be an annual fee if I don’t open the card?

Now it has been improved. There will be no annual fee if you don’t open the card. But it doesn’t matter even if you open a card. You can call customer service and ask if there is any way to waive the annual fee. If I make 3 transactions within three months of opening the card, the first-year annual fee will be waived. After that, if I make 6 transactions every year, there will be no annual fee. Generally, there are activities, and there is basically no annual fee.

5. How much is the card opening fee?

No bank charges a card opening fee.