This is a credit card and cannot be overdrafted. Features and uses: 1. Personalized fashion: Shanghai's first MINI personalized card, with 12 styles, stylish appearance and crystal clear card. 2. Merchant discounts: Many fashion brands have special discounts for card swiping. 3. Dual-card financial management: Constellation Card + Credit Card; use the Constellation Card to open Money Makes Money B financial management service, enjoy the notice deposit interest rate while maintaining high liquidity of funds, and enjoy an interest-free repayment period of up to 51 days when using a credit card. ; You can apply to have the repayment automatically deducted from your Constellation Card account on the repayment date. 4. Preferential card use: no annual fee for card application, no handling fee for inter-bank ATM withdrawals in the same city (transparent mini cards cannot be withdrawn at ATM machines); no handling fee for cumulative deposits of 10,000 yuan (including 10,000 yuan) at counters in other places on the same day. 5. Constellation Story: Send mobile text messages and subscribe to your own "star" love. 6. Give gifts with points: sincerely love people's livelihood, swipe people's livelihood cards, points will be rewarded, and hundreds of prizes are waiting for you. 7. Over the Counter: You can handle deposit services for free at nearly 200 outlets of 7 joint-stock commercial banks in this city, including Everbright, Huaxia, Guangfa, Shenzhen Development Bank, China Merchants, Industrial Bank and CITIC. 8. Convenient payment: realize online self-service payment through PayTong (www.shfft.com), including mobile phone payment, mobile phone recharge, phone bill, water bill, gas bill, etc. 9. Security account: If the card is lost and used fraudulently, will I know in time? As long as there is any change in funds in the card account that meets the conditions agreed by the cardholder, real-time information can be sent through mobile phone text messages, so the cardholder can accurately grasp the changes in funds anytime and anywhere. 10. One card for multiple accounts: There are passbooks and certificates of deposit for various foreign currency deposits, time deposits, and current deposits. It is inconvenient to use and keep. Can I manage all deposit accounts with one card? The Constellation Card can have up to 99 accounts, easily replacing all passbooks and deposit certificates; current and time savings deposits in 13 currencies, including RMB, Hong Kong dollars, US dollars, Japanese yen, euros, and British pounds, can be managed in one card. 11. Consumption payment: Constellation card holders can make purchases at any special merchant with the UnionPay logo in China (including Hong Kong, Macau, South Korea, Singapore, Thailand and other regions). 12. General deposit and withdrawal: My son is studying abroad, and there is a fee every time I send him money. Can I not pay this fee? Cardholders can handle deposits and withdrawals in various currencies and types of savings at any Minsheng Bank outlet across the country. Deposits and withdrawals in the same city, and deposits to cards in other places through outlet counters (accumulated deposits of less than 10,000 yuan on the same day) are free of charge. Charge a handling fee. 13. Automatic rollover: How to avoid interest loss if you forget to renew your deposit when it expires? If there is no other agreement, the Constellation Card time deposit will be automatically transferred according to the original deposit period after maturity. 14. Self-service deposit: The bank is closed, what should I do if I need money? With the Constellation Card, you can deposit and withdraw cash from Minsheng Bank deposit machines and ATMs across the country, or withdraw cash at any ATM with the UnionPay logo (including Hong Kong, Macau, South Korea, Singapore, Thailand and other regions). Customer handling fees are waived for local inter-bank withdrawals. 15. Self-service transfer: I want to convert a current deposit into a fixed term and want to pay back money to a friend. How can I do this conveniently? Constellation cards can be used to transfer the card's default current account through telephone banking and online banking; real-time transfers can be made to other Constellation card accounts through ATM, telephone remittance (the transfer card number must be confirmed in writing in advance) or online banking. 16. Cash distribution business: Every payday, does your company have trouble with the series of tasks of collecting, changing, keeping, and distributing cash? Wondering how nice it would be to have someone do it for you? The Constellation Card can be used for the issuance of wages, bonuses, pensions, etc. through Minsheng Bank business outlets across the country to facilitate financial settlement of enterprises. 17. Inter-bank transfer: Constellation Card can make inter-bank transfers to bank card accounts opened in other online banks through ATMs and UnionPay connections (www.shinapay.com). 18. Bank-Securities Connect: Can you trade stocks without ever going to a securities company? Can I use the money from my margin account during holidays? You can directly invest in securities through the current account of the Constellation Card over the phone, eliminating the trouble of frequent deposits, withdrawals and transfers of securities margins. You can also withdraw funds freely during the market break. At the same time, the Constellation Card Bank-Securities Pass has a unique 30-day pre-entrustment function, even if you have no time to pay attention to securities. You can also avoid missing buying and selling opportunities based on the market conditions. 19. Yinjitong: I want to speculate in funds. Is there a way to solve all account opening problems by just going to one bank? Minsheng Bank's agency fund company provides customers with various investment and financial services such as open-end fund account opening, subscription, subscription, redemption, dividend distribution, custody transfer, non-transaction transfer, etc. Cardholders can invest in funds through the phone and the Internet.

20. Bank-securities transfer: Through telephone or online banking, cardholders can directly transfer funds between the bank card current account and the securities company's margin account. 21. Foreign exchange trading: Cardholders can participate in investing in the international foreign exchange market through telephone banking, counter or online banking, and obtain exchange difference income from the exchange of multiple foreign currencies. 22. Pledge loans: When customers need funds temporarily, they can pledge the local and foreign currency time deposits in the Constellation Card and apply for small loans of less than 100,000 yuan instantly through online banking or bank counters, which is convenient and fast. 23. Telecommunication services: What should I do if I want to make a long long distance call but are too lazy to buy an IP phone card? (1) IP phone: You can make 17910 IP phone calls with the Constellation Card, and the call charges will be automatically deducted from the Constellation Card current account. You can also apply for a fixed-line direct-dial IP, eliminating the trouble of entering a long IP card number. (2) Internet services: You can use the Constellation Card to access the Internet through the 165 network, and the fee will be automatically deducted from the Constellation Card life account. (3) Long distance service: You can use the Constellation Card to make long-distance calls through 193300, and the call charges will be automatically deducted from the Constellation Card current account. 24. Welfare Lottery Betting: Can you buy welfare lottery tickets by calling? If you win the lottery, will the money be deposited by yourself? You can place bets on the Shanghai Welfare Lottery 24 hours a day over the phone, and the bet amount will be deducted from your Constellation Card current account. You can place bets easily without leaving home. Funds for the third prize and below are directly transferred to the Constellation Card to avoid the regret of losing the prize due to losing the lottery ticket or forgetting to claim the prize. 25. Telephone banking: Constellation Card provides customers with multiple services such as business consultation, account inquiries, transfer services, welfare betting, password modification, loss report, and application for security account opening 24 hours a day, 365 days a year through telephone banking 95568. 26. Online Banking: Constellation Card provides cardholders with online shopping, account inquiries, transfer services, financial investment, password modification, loss report safe account application, self-service loans, foreign exchange transactions and other services through the ordinary and professional versions of online banking. .