Is the first year of Minsheng Bank’s credit card free? What does the core card mean?

Minsheng Bank’s credit card annual fee

Regular card principal card is 100 yuan, ordinary card The supplementary card costs 50 yuan, the main gold card costs 300 yuan, and the gold supplementary card costs 150 yuan.

The annual fee is waived in the first year of opening the card, and the annual fee is waived if you swipe the card 8 times in the same year. To put it in detail: the annual fee is free in the first year. If you swipe the card 8 times in the first year, there is no limit on the amount, and the annual fee in the second year will be waived.

There are many types of Minsheng cards. Some of them require you to swipe once within one month of the card approval (with no limit on the amount) to waive the annual fee for that year. If you swipe seven more times, it means one to eight times. If so, the annual fee for the following year will be waived;

The card approval date is the date when you receive the information that the card has been approved and will be sent out. What does it mean that the Minsheng Bank credit card program has been approved?

It means that the card has been placed.

Credit card application progress inquiry:

Inquiry steps:

1. Online banking inquiry:

1. Log in to the bank’s credit card center page, and then Click the "Card Application Progress Query" function;

2. Enter the "Credit Card Application Progress Query" page and enter the ID number and verification code to query the bank's credit card application progress details.

2. Telephone inquiry

Call the credit card customer service number or log in to online banking and enter your ID number to check the progress.

3. WeChat Inquiry

Follow the bank’s official account to check the application progress.

4. Bank counter inquiry

Check the credit card application progress through the bank counter or contact the local card issuer. What does Minsheng Bank's credit card file audit mean?

Minsheng Bank's credit card file audit: The audit information submitted by the applicant for a credit card to Minsheng Bank is being audited. According to relevant regulations of Minsheng Bank, the process for applying for a credit card is as follows:

Counter application:

Bring your credit certificate to the counter to apply;

Submit it to Minsheng Bank for audit by the back-end audit department of Minsheng Bank;

After the audit is completed, the credit card will be issued.

To apply for credit, you need to meet the following conditions:

Be over 18 years old and have full capacity for civil conduct;

Have a good credit record;

Have a source of income from work and have the ability to repay.

In summary, Minsheng Bank’s credit card audit refers to Minsheng Bank’s verification of the information submitted by the applicant. Please consult your local Minsheng Bank for details. What does it mean that Minsheng Bank's credit card has been entered?

If the credit card has been entered, it proves that it has passed the preliminary review, because if it is rejected during the audit, a text message will be sent to notify the rejection, so it may have passed the preliminary review. What does it mean that the Minsheng Bank Credit Card has been issued?

It means it has been approved. I wish you a happy use of the card

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If the Minsheng Bank credit card has been generated, it means that it has passed the audit and the card production has been completed, which means that the card can be issued soon.

The general processing time for Minsheng Bank credit card:

For all credit cards, it will take no more than 30 working days from application to receipt of the card. Fast card issuance takes no more than 8 working days and charges RMB 160. Is it free to withdraw overflow payment with Minsheng Bank's credit card?

Free withdrawal of overpayment from bank credit card depends on the situation:

1. Cash withdrawal within the same city of our bank

According to me As far as we know, cash withdrawals from banks such as China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China, China Minsheng Bank, Shanghai Pudong Development Bank, Bank of Communications, and China Everbright Bank are free of charge for overpayments in the same city. However, although some banks have implemented free cash withdrawals for overpayments on credit cards, There are limits on the amount or number of times.

2. Inter-bank cash withdrawals in different places

Shanghai Pudong Development Bank’s own ATMs are free of charge for cash withdrawals for pure overflow payments; Everbright Bank’s credit card overpayments are free of charge as long as cash withdrawals are made through peer channels, regardless of whether they are in different places or locally. Handling fees; China Guangfa Bank is the most generous. Credit card overpayments are free of charge at any bank teller machine, whether it is across the same bank or in another place.

Recommended credit cards that offer free cash withdrawals for overpayments:

1. Minsheng IN Card

The IN card is pretty good, with a beautiful card face, and we can withdraw cash from this bank No handling fee and no annual fee for 5 years. This card is exclusive to 1 point to redeem Starbucks. Points can be recorded for transactions exceeding RMB 399 per calendar week. 1 point can be used to redeem a Starbucks large coffee e-voucher within 7 days.

In addition, the card's overpayment cash withdrawal is also free of charge, but there are conditions. Cardholders can only enjoy the free treatment by withdrawing overpayment from their credit card through Minsheng Bank channels.

2. China Merchants Bank YOUNG Card

China Merchants Bank Young Card is a RMB credit card launched by China Merchants Bank that can only be applied for by non-student customers under the age of 30. The main features are that the cash advance limit is 100% of the credit card limit; points are doubled in the birthday month.

There is no handling fee for the first cash withdrawal using this card every month. In addition, there is no handling fee for overpayment withdrawal through Palm Life.

3. GF Taobao Credit Card

This credit card supports online application, and can also enjoy the annual fee-free policy. You can accumulate points whether you are spending or withdrawing cash. Of course, its biggest feature is that it can record points for online consumption. You can use the card to shop on Taobao and Alipay and use Quick Pay to earn online shopping points.

In terms of cash withdrawal for overpayment, it is free to use GF Taobao credit card at any bank teller machine, whether it is inter-bank withdrawal or withdrawal from other places. However, it should be noted that the maximum daily limit of using this card at an ATM machine is You can withdraw cash 15 times, and the cumulative amount you can withdraw every day is 20,000 yuan. If the amount exceeds, you need to go to Guangfa Bank branch to withdraw with the original ID card and credit card. What does the available balance of Minsheng Bank's credit card mean?

The available balance of Minsheng Bank's credit card refers to the amount that can be withdrawn in cash, usually half of the credit card limit, but there will be interest, so it is not recommended to withdraw cash if it is not urgent. What does Minsheng Bank's credit card display "Enter" mean?

Bank credit card display: "Enter" means that the bank has received the cardholder information and has not yet or is in the process of auditing.

Minsheng Bank Credit Card Audit Process:

1. Enter the official website of Minsheng Bank Credit Card;

2. Click "Online Card Application e-Trigger" , enter the card application page;

3. Choose different card faces according to different types;

4. After selecting the card you like, click Apply Now; < /p>

5. "Minsheng Credit Card Online Card Application Instructions", after reading, click "OK";

6. Fill in personal details;

7. After filling in the personal information, Minsheng Bank staff will audit your qualifications within 10-15 working days. After the audit is completed, the card will be mailed to the address you filled in. What does overpayment on Minsheng Bank's credit card mean?

It means that not only do you not owe money, but you have also deposited more money into it. You can take it out without any fees, or you can pay back part of it the next time you use your card for consumption.