According to the cardholder's description in the question, it is suggested that cardholders with the same needs directly handle the credit card cash installment business launched by Minsheng Bank. Credit card holders who meet certain conditions can apply for overdraft to withdraw cash (transfer it to their debit card account) within the cash installment limit and repay it in installments.

First of all, the so-called certain conditions mean that the applicant must be the credit card host of the bank; And the application amount shall not be higher than 90% of the credit line (300,000 yuan is the dead bid).

Then, the channels for bidding for this business: the bank's credit card customer service phone, mobile banking, WeChat official account, online banking and so on.