Minsheng Bank credit card recharge charges will be credited to your account in real time, no later than thirty minutes. Credit card phone recharge counts as credit card swiping. If you associate your credit card with a third-party payment platform and then use the credit card limit to pay the phone bill on your mobile phone, it is an online payment with a credit card, and online payment with a credit card is generally included in the number of credit card swipes. If the credit card owned by the customer has an annual fee requirement, and the credit card annual fee can be waived if the credit card is swiped the number of times or the amount is qualified within the credit card annual fee cycle, then the credit card annual fee can also be waived by recharging the credit card phone bill.