Minsheng Bank Bank Card Application Process

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;

4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

5. loan settlement. Loan settlement includes normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Brief introduction of credit card function of Minsheng Bank

Dual-currency credit cards bring cardholders the pleasure of traveling around the world.

Minsheng dual-currency credit card has dual accounts in RMB and USD, and domestic and overseas settlement is automatically converted. Both currencies can pay consumption abroad currency, which is convenient for cardholders to use globally.

Circulating credit guides consumption and facilitates financial management.

Minsheng Credit Card will give a flexible amount according to the credit status of the cardholder, which can be used first and then returned, and enjoy an interest-free repayment period of up to 5 1 day. On holidays and when customers go abroad, Minsheng will actively increase the temporary quota for customers, and actively increase the quota for customers who continue to use their cards well.

Minsheng 1+ 1 Smart repayment saves time and worry.

Just apply for a Minsheng savings card (debit card) as the automatic repayment account of Minsheng Bank's credit card, and the card center will automatically transfer the money from the savings card account to the credit card account for current repayment on the last repayment day, so as to avoid the trouble of late repayment in busy work and life.

The customer service hotline listens to the needs of cardholders 24 hours a day.

Minsheng Credit Card's 24-hour customer service hotline provides comprehensive and convenient services anytime and anywhere.

Borrowing cash in advance can help cardholders meet urgent needs.

Use Minsheng Credit Card to easily withdraw cash from ATMs with UnionPay logo in China and VISA or MasterCard logo abroad to solve emergencies.

Report the loss of the phone and avoid the risk of misappropriation in time.

If you find that Minsheng Credit Card is lost, please call Minsheng Credit Card Customer Service Hotline immediately to report the loss. After the loss report of credit card comes into effect, the credit card risks in transactions other than the cardholder's own will be borne by Minsheng Bank, and the card center will reissue a new card for the cardholder as soon as possible according to the cardholder's requirements.

Optional signature/password ensures safe use.

Minsheng Credit Card has the optional function of swiping the card and signing or adding a password, which makes the cardholder's credit card use more flexible and safe.

The confirmation of SMS transaction makes the cardholder feel at ease with the card.

Minsheng Credit Card has a transaction SMS notification function. Cardholders can get SMS notification service for all transactions, so as to keep abreast of changes in credit card accounts.

Combine points to get more surprises

Minsheng launched a cooperative merchant points accumulation system, so that the consumption points of many well-known partners of Minsheng can be accumulated together, and cardholders will have the opportunity to redeem more exquisite gifts or air miles.