Is Minsheng Bank Credit Card good?

It is still possible, but you need to choose based on the pros and cons. After all, the choice is still in the hands of the individual.

The points value of Minsheng Bank credit card is relatively high compared to the points of all bank credit cards used.

Advantages:

First of all, the installment payment service of the China Minsheng Bank of China credit card will not occupy the credit card's usage limit. And there are no handling fees for credit card withdrawals.

What’s more worth mentioning is that if you are a gold card user of China Minsheng Bank’s credit card, you can also enjoy discounts on lawyer services and business travel bookings.

The last point is that the ID cards he provides are very personalized and can be customized by users, but this requires users to pay a certain card production fee.

Disadvantages:

In other words, the shortcomings are mainly reflected in the fact that there are relatively few business outlets, and users may feel a little inconvenient when they need to handle related business at the business outlets.

Another thing is that it supports Alipay consumption. But there are consumption limits set for this consumption. A single purchase must not exceed RMB 1,000, and the maximum daily cumulative consumption is limited to RMB 5,000.

But this restriction should still be enough for us ordinary users.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

Main types

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of card issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

How about Minsheng Bank’s credit card?

Minsheng Bank’s credit card is not bad.

China Minsheng Bank was formally established in Beijing on January 12, 1996. It is China's first national joint-stock commercial bank mainly initiated and established by private enterprises.

As a branch-level specialized institution of Minsheng Bank, China Minsheng Bank Credit Card Center was approved to open by the China Banking Regulatory Commission on August 11, 2006. After fourteen years of accumulation, it has become one of the leading brands in China's credit card industry. . Minsheng Credit Card Center has established 112 branch centers across the country, with nearly 10,000 employees nationwide.

As of March 2020, the cumulative number of Minsheng credit cards issued exceeded 58 million, and various indicators continued to maintain its leading position in the industry.

Products and Services:

Since the launch of the card, Minsheng Credit Card has actively explored the market, deepened customer segmentation, and has established a complete product system with a total of more than 100 products launched, covering five major products. line, cooperating with five major international credit card brands including China UnionPay, VISA, MasterCard, JCB and American Express, involving seven overseas currencies.

The product levels issued range from regular cards, gold cards, platinum cards, diamond cards to black gold cards, covering all consumer classes and meeting various consumer needs of customers.

What are the benefits of Minsheng Credit Card?

Question 1: What are the benefits of China Minsheng Bank Credit Card? For many users who want to apply for a credit card, the first thing to understand is what are the benefits of credit card. ? Only when you know its characteristics can you handle it with more confidence. What are the benefits of Minsheng Bank’s credit card? Let me introduce it in detail to card friends. Swipe your card to get a gift of high-value aviation insurance. If you use a Minsheng credit card to pay the full air ticket price for yourself (and your traveling spouse and children) or a tour package of more than RMB 80 (inclusive), you will receive free high-value aviation accident insurance. Gold Card Exclusive Private Lawyer Service Customers holding Minsheng Credit Card Gold Card, if they encounter legal problems, can call the Minsheng Customer Service Center to receive preferential services from senior, authoritative and professional lawyers. The travel booking service allows cardholders to easily dial the Minsheng customer service hotline and enjoy the preferential booking of air tickets and hotel services provided by the Minsheng Business and Travel Reservation Center for cardholders.

Question 2: What are the benefits of Minsheng Bank’s credit card? You can use the card to make purchases, and you can withdraw cash if you need money urgently. There is an interest-free and fee-free repayment period for card purchases, which is usually 20-50 days, which is equivalent to Borrow money from the bank without interest; you need to pay a handling fee for cash withdrawal, and the interest rate is very high at 5% of the daily interest rate. It is best to repay the cash in time; you must repay the money on the repayment day, otherwise it will affect your credit. It will have an impact on future loans; if your credit is consistent and good, it will be easier to get a loan

Question 3: What are the benefits of the Minsheng Bank Gold Credit Card? I even called Minsheng’s customer service for this.

I asked: Why do the gold and regular cards have the same limit? What are the benefits?

Customer service answer: Some benefits are higher than regular cards, such as no loss report fee, etc. In short, there are some benefits, but not big. If the regular card has already opened online banking, there is no need to open a gold card.

Question 4: What are the benefits of recommending a Minsheng Bank credit card? It should be point rewards or card bonuses~

Question 5: Has anyone ever applied for a Minsheng Bank credit card? What are its advantages and disadvantages? The advantage is convenience, but the disadvantage is that there is an annual fee. The counter application process is:

1. Go to the bank branch where the credit card is processed, or find the staff of the local bank's credit card center and fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

2. Submit certain copies of documents and certificates to the card issuing bank. ;

3. After filling in the application form truthfully, you must submit the relevant credit certificate together with the completed application form;

4. The application form is accompanied by a credit card. For the contract, the applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have his or her signature;

5. Credit card application process Basically completed, waiting for the credit card to be issued.

Question 6: Is it easy to apply for a Minsheng credit card? What are the advantages or disadvantages? If you have a local household registration, it is easy to get a card as long as you have a job. Minsheng has strict restrictions on non-local household registration. Minsheng now has many repayment channels, and repayment is not a hassle. And the service is very good

Question 7: What are the uses of Minsheng Bank’s standard credit card? You can overdraft. If you have no money, you can swipe the card. If you want to withdraw cash, you need to get a free machine to swipe it yourself

Question 8: What are the benefits of Minsheng Bank’s credit card? First open the bank Enter the credit card column on the official website. You will clearly see the promotion column in the headline of the column, which is divided into the latest national discounts and the latest regional discounts. If you see an attractive title, you can click to enter to see if your card can enjoy this discount. Pay attention to the discount. During the event time, you will not be able to participate after the event time is over. The following are the latest people's livelihood promotions: Everyday people's birthday is wonderful. Event time: March 1, 2014 to May 31, 2014. Event objects: This event is applicable to car installment cards, parking space installment cards, Tongbao white-collar cards, new All Minsheng Bank credit cards, principal cards and supplementary cards other than e-loan can participate. Activity content: During the activity, cardholders who make 3 points-based purchases in the month, and each transaction reaches 199 yuan or equivalent, will be eligible for the corresponding discount once per day in the month. During the activity, the cardholder can only be eligible to enjoy the discount once per day. Monday Food Day: Choose one from Xiabuxiabu Fatty Beef Set/Lamb Set, buy one and get one free; Tuesday Car Wash Day: Car wash at Meiqitang for RMB 10; Movie Day on Wednesday: Enjoy two 2D movies at Wanda Cinema for RMB 60 Ticket discounts (not available for special events such as film festivals, meet-and-greets, VIPs, etc.); Thursday Coffee Day: Buy one Pacific Coffee large coffee and get one free (limited to one cup); Friday Singing Day: Big singers sing for one hour and get one hour free (Limited to large, medium and small private rooms, all-day period, not included in the May Day legal holiday); Saturday Sweet Day: Buy one Haagen-Dazs single ball and get one free (limited to one gift); Sunday Shopping Day: Watsons get an instant discount when you spend 60 yuan or more 30 yuan (up to 30 yuan off).

Question 9: How about Minsheng Bank’s credit card? This depends on how well your local business is doing. Credit cards are just for discounts on meals, accommodation, travel discounts or cash back, 10 yuan for watching movies and singing, etc. There are various entertainment discounts, and Minsheng’s in card and happy theme card are the best. There are activities every day from Monday to Sunday, exchanging coffee, exchanging Haagen-Dazs, exchanging movie tickets, exchanging KTV private rooms, etc. , the activity is quite good

This ends the introduction on how to use Minsheng Credit Card and how to increase the limit of Minsheng Credit Card. I wonder if you found the information you need?