Application The application conditions for credit cards are similar. Banks with different card levels have different financial requirements for card applicants. If you want to apply for a high-level credit card, you need to provide more sufficient proof of financial resources. Comparing the application conditions for standard credit cards and China Resources Tong co-branded cards, naturally the conditions for the China Resources Tong co-branded cards are higher. Minsheng Credit Card Application Conditions: 1. Applicants need to be over 18 years old and have full capacity for civil conduct; 2. Have a stable job and source of income, work for at least six months, and provide corresponding proof of work and income; 3. Additional documentation proving financial resources. For example, copies of income tax withholding certificates, self-owned real estate certificates, self-owned car driving licenses, Minsheng Bank time deposit certificates, etc. 4. No bad credit record.
Limit section Minsheng standard credit card has two levels: regular card and gold card, while China Resources Tong co-branded card has different levels of gold and platinum cards. Depending on the applicant's conditions and financial strength, the bank will issue different quotas. Comparing the quotas of standard credit cards and China Resources Co-branded cards, they still follow Minsheng Bank's card level quota issuance standards, and the quotas of different levels of cards are different. Regular card limit: 5,000-10,000 yuan; Gold card limit: 10,000-50,000 yuan; Standard platinum card limit: 50,000-100,000 yuan; Deluxe platinum card limit: 100,000-300,000 yuan.
Annual fee
Standard credit card (1) Regular card: RMB 100 for the main card and RMB 50 for the additional card. (2) Gold Card: RMB 300 for the main card and RMB 150 for the supplementary gold card. The annual fee is waived in the first year of opening the card, and the annual fee can be waived if you swipe the card 8 times in the same year.
China Resources Co-branded Card (1) Gold Card: 300 yuan/year for the main card and 150 yuan/year for the supplementary card; the first-year annual fee is waived. If you make 5 purchases with the card in the same year, the annual fee for the next year will be waived. (2) Standard Platinum Card: 600 yuan/year for the main card and 300 yuan/year for the supplementary card; the first-year annual fee will be waived on December 31, 2017. If 18 points-accrued transactions or 50,000 yuan worth of transactions are completed that year, the annual fee will be waived for the following years. fee. (3) Luxury Platinum Card: 3,600 yuan/year for the main card and 1,800 yuan/year for the supplementary card. When comparing the annual fees of the two credit cards, of course the China Resources Tong co-branded card has a higher annual fee, and of course the credit limit and benefits and discounts enjoyed will be higher.
Standard Credit Card in the Rights and Interests section: The rights you enjoy include revolving credit and an interest-free period of up to 51 days; proactive credit limit increases for customers who have good consumption and repayment; easy withdrawal of advance loans; free phone calls to report losses. The risk of theft is eliminated; SMS transactions are confirmed, so you can use the card with confidence; in addition, points are combined for you to redeem airline miles. China Resources Co-branded Card: Cardholders’ consumption points are automatically converted into China Resources Points on a monthly basis: for every 2 yuan worth of points spent on the UnionPay brand, 1 China Resources Touch point can be accumulated; for every 1 dollar worth of points spent on the Visa brand, that is Can accumulate 8 China Resources Pass points. In addition, you can also enjoy a half-price discount on the second cup of Pacific Coffee on Tuesday, and exclusive members can enjoy a 10% discount; Ole boutique supermarket offers a 12% discount four times a year, and exclusive members can enjoy a 95-92% discount; free parking in Chengdu Vientiane City and Double points for your birthday month. There are more new household gifts waiting for you. The above is a comparison of Minsheng credit cards for everyone. Standard credit cards and China Resources Co-branded cards. Are there any cards you want to apply for? It is recommended that if you are qualified to apply for a card, you can generally apply for a standard card. If you have sufficient financial strength, of course, the China Resources Tong co-branded card is more suitable for you. Click on Minsheng Credit Card Application Channel