1. Minsheng Bank Credit Card Center’s interest-free installment projects (hereinafter referred to as “installment projects”) at special merchants are available with Minsheng Credit Cards,

including regular cards, gold cards and platinum cards.

2. Minsheng Bank’s special merchants refer to product suppliers announced through the Minsheng Bank Credit Card Center network or other forms. Minsheng Bank

The Credit Card Center only provides payment services, not the distribution of products. business. There is no agency, partnership or guarantee with the merchant.

3. When the cardholder purchases products at a special merchant through the "interest-free installment project", if the cardholder's available credit limit is less than 10% of the original credit limit

he must pay It can only be used after paying off the debt.

4. From the date of approval by the card center for the purchase of goods under "installment items", the installment principal will be based on the repayment period selected by the cardholder on a monthly basis

The average amortization over the period (hereinafter referred to as the "monthly amortization amount"). The calculation formula of "monthly amortization amount" is as follows: Monthly amortization amount = the total amount of the purchased goods in installments and the number of installment payments. For example: a customer of Minsheng Credit Card Center went to a special shopping mall to purchase goods worth 6,000 yuan and wanted to pay in installments, and chose 12 installments. Then the customer must repay 500 yuan on time before the repayment date for each period (that is, every month), and repay it for 12 consecutive periods (12 months), that is, the total amount is still 6,000 yuan.