Be careful when using the Minsheng Tongbao Card. Once used, if you repay in advance, you will be charged all the fees. For example, if you make 12-month installment repayment and use it for one month, the requirement For early repayment, you will be charged interest for 12 months, not one month. I don’t know why, but the customer service always refers to the interest as a fee (for example, the customer service said: "The fee for early repayment is charged as usual"). It gives people the illusion that it is some transaction fees or liquidated damages, but it is actually interest. This kind of card is too deceiving. If you don’t make it easy, you will become a card slave. I know that China CITIC Bank, China Guangfa Bank, etc. are not In this case, use this card with caution! ! ! !