To enable the overrun function, please use the reserved mobile phone to edit the "last four digits of KC card number" and send it to/kloc-0 106902895568；; To turn off the overrun function, please use the reserved mobile phone to edit the "last four digits of QC card number" and send it to 106902895568.

Credit card overdraft is a special service provided by the bank for cardholders, which allows cardholders to overdraw their credit limit in case of insufficient credit limit in case of emergency.

At present, Minsheng Bank allows customers to use a small amount of excess on the basis of the approved credit line, and the excess line cannot be used for transfer and cash advance. Minsheng Bank's credit card can only exceed the limit after the over-limit service is opened, and it can only exceed the limit once in a billing cycle.

If the customer uses the overrun function continuously for two consecutive billing cycles, the overrun function will be automatically turned off on the billing day of the second billing cycle.

It should be noted that the specific amount that can be exceeded is determined according to the cardholder's comprehensive card use. The overrun ratio of gold card and ordinary card is 65,438+00% of the current credit line, and the overrun ratio of platinum card or above is 5% of the current credit line (if it is in the temporary adjustment period at the same time, it will be calculated according to the adjusted credit line). The over-limit limit cannot be used for transfer and cash advance.

After the cardholder opens the over-limit function service, when the transaction exceeds the limit, the over-limit fee will be charged at 3% of the over-limit part, with a minimum of 10 yuan, which will be generated with the transaction. After the foreign currency is used beyond the limit, the standard for charging the over-limit fee is also 3% of the over-limit part, with a minimum of 10 yuan.

Extended data:

Credit card overrun function and business is one of the many businesses of Minsheng Bank. In addition, Minsheng Bank also operates and provides many commercial services to consumers. These commercial services are:

1, absorbing public deposits;

2. Short-term, medium-term and long-term loans;

3. Handling domestic and international settlement;

4. Handle bill acceptance and discount;

5. Issue financial bonds;

6. Acting as an agent to issue, honor and underwrite government bonds;

7. Buying and selling government bonds and financial bonds;

8. Engage in interbank borrowing;

9. Acting for buying and selling foreign exchange;

10, engaged in bank card business;

Baidu Encyclopedia-China Minsheng Bank