Credit card holders of Minsheng Bank can borrow cash in advance by credit card or transfer money by atm, but when using these two functions, the bank will charge a certain fee and interest, and the amount is relatively high, so it is best not to use the above functions in general.

Generally speaking, cardholders can't enjoy installment discount after transferring money by credit card, but Minsheng Bank is an exception. Minsheng Bank will screen high-quality cardholders according to their card usage and risk, and provide them with the service of transferring cash to their debit cards, and cardholders can repay the transfer amount in installments, but cardholders who enjoy this service need to pay a certain amount of handling fee.

how exactly is the handling fee calculated? When calculating the installment fee, the cardholder can calculate it according to the following formula: installment fee per installment = total installment amount * installment fee rate. The corresponding handling fee rates for the number of installments are as follows: .9% for the 3rd installment, .75% for the 6th installment, .75% for the 9th installment, .75% for the 12th installment, .75% for the 18th installment and .75% for the 24th installment.