Does Minsheng Credit Card need to be oversubscribed?

How to open the credit card overrun function of Minsheng Bank?

Open method:

To enable the overrun function, please use the reserved mobile phone to edit "the last four digits of KC" and send it to/kloc-0 106902895568；; To turn off the overrun function, please edit the "last four digits of QC" with the reserved mobile phone and send it to 106902895568.

Credit card overdraft is a special service provided by the bank for cardholders, which allows cardholders to overdraw their credit limit in case of insufficient credit limit in case of emergency.

At present, Minsheng Bank allows customers to use a small amount of excess on the basis of the approved credit line, and the excess line cannot be used for transfer and cash advance. Minsheng Bank's credit card can only exceed the limit after the over-limit service is opened, and it can only exceed the limit once in a billing cycle.

If the customer uses the overrun function continuously for two consecutive billing cycles, the overrun function will be automatically turned off on the billing day of the second billing cycle.

It should be noted that the specific amount that can be exceeded is determined according to the cardholder's comprehensive card use. The overrun ratio of gold card and ordinary card is 65,438+00% of the current credit line, and the overrun ratio of platinum card or above is 5% of the current credit line (if it is in the temporary adjustment period at the same time, it will be calculated according to the adjusted credit line). The over-limit limit cannot be used for transfer and cash advance.

After the cardholder opens the over-limit function service, when the transaction exceeds the limit, the over-limit fee will be charged at 3% of the over-limit part, with a minimum of 10 yuan, which will be generated with the transaction. After the over-limit use, the over-limit fee is also charged at 3% of the over-limit part, with a minimum of 10 yuan.

Extended data:

Credit card overrun function and business is one of the many businesses of Minsheng Bank. In addition, Minsheng Bank also operates and provides many commercial services to consumers. These commercial services are:

1, absorbing public deposits;

2. Short-term, medium-term and long-term loans;

3. Handling domestic and international settlement;

4. Handle bill acceptance and discount;

5. Issue financial bonds;

6. Acting as an agent to issue, honor and underwrite government bonds;

7. Buying and selling government bonds and financial bonds;

8. Engage in interbank borrowing;

9. Acting for buying and selling foreign exchange;

10, engaged in bank card business;

Baidu Encyclopedia-China Minsheng Bank

Would you like to ask Minsheng Bank if the credit card can exceed the limit?

Minsheng bank credit card cannot exceed the limit. According to the relevant provisions of the Notice of the People's Bank of China on Matters Related to Credit Card Business, Minsheng Bank will cancel the "over-limit fee" charging item from 20 17 1 and no longer provide over-limit services.

China Minsheng Bank, referred to as CMBC for short, is the first national commercial bank initiated by private capital in Chinese mainland. It was established in June 2002 1996+ 10/2. The main shareholders are Liu Yonghao's New Hope Group, Zhang Hongwei's Oriental Group, Lu Zhiqiang's China Oceanwide Holding Group, China Shipowners Mutual Insurance Association represented by Wang Yugui, China Life Insurance, Shi Yuzhu and so on.

Learn more about Minsheng Bank's credit card, can it exceed the limit? Go to: See more.

What does it mean to raise the limit of Minsheng Credit Card?

It means that when the cardholder overdraws his credit card, he exceeds the credit card limit.

Minsheng credit card can be used beyond the limit, and the limit generally does not exceed 1 10% of the original limit of the card. For example, the credit limit is 20,000 yuan, and the credit card can spend up to 22,000 yuan. This is the limit.

Minsheng Credit Card will give a flexible amount according to the credit status of the cardholder, which can be used first and then returned, and enjoy an interest-free repayment period of up to 5 1 day. On holidays and when customers go abroad, Minsheng will actively increase the temporary quota for customers, and actively increase the quota for customers who continue to use their cards well.

Extended data:

Minsheng credit card withdrawal method

1, telephone withdrawal method

Call customer service and ask him to transfer you to the customer service manager. After checking the information, you tell the customer service manager that you seldom travel abroad and ask him to help you increase the quota. After the credit card of Minsheng Credit Card was raised, you said that it was not enough and asked him to help you do it again.

2. Overlimit extraction method

People's livelihood has the function of exceeding the limit, which is generally 10%-30%. Call to activate the overrun function, and Minsheng Credit Card reasonably withdraws the original limit. Minsheng Credit Card will use the pos machine of 1.25 to brush out the overspent money and return it. Call every other day to cancel the overrun function, and there will be a temporary limit every other day.

3. Temporary fixation method

Spend reasonably for the time being, and pay back the money on the bill on the billing day. There is a 70% chance that it will be repaired directly. No matter which bank wants to apply for a new card, the amount of the old card must be above 60%, and Minsheng Credit Card will enter the online banking application.

Baidu Encyclopedia-Minsheng Bank Credit Card

202 1 Minsheng credit card can exceed the limit again.

202 1 Minsheng bank credit card can be used over the limit. According to the regulations of the bank, the credit card of Minsheng Bank can be used in excess of the credit line of 10%. If converted into multiples, the maximum allowable line is 1. 1 times of the original credit line. Assume that the cardholder's credit card limit is 6,543,800 yuan, and the amount that can be used beyond the limit is 6,543,800 yuan. In addition to Minsheng's credit card, 202 1, many banks can use credit cards that exceed the limit. The default limit of ICBC credit card exceeds the limit; Agricultural Bank of China credit card opens the over-limit limit by default; China Bank credit card default opening limit; By default, the credit card of Guangfa Bank opens the over-limit line; Ping An Bank credit card default limit; The credit card of Industrial Bank opens the over-limit limit by default; Minsheng Bank credit card can be opened, but it is not the default. Cardholders need to go to the bank to apply for opening the over-limit line. In addition, it is necessary to remind cardholders that after using the over-limit amount, banks need to charge a certain percentage of over-limit fees according to the over-limit amount. For example, Minsheng Bank's overrun fee is 3%, Agricultural Bank's overrun fee is 5%, and Shanghai Pudong Development Bank's overrun fee is 5%.

2. How many days can the repayment of Minsheng Credit Card be postponed?

Minsheng Bank credit card repayment can be delayed for 3 days. If you need to extend the repayment time, you need to apply to the bank. Pay off within 3 days, as timely repayment, without any cost. If you only pay the minimum repayment amount, you need to pay 0.05% interest every day; Repayment exceeding 3 days shall be deemed overdue. In addition to paying interest, you also need to pay a late fee of 5% of the unpaid minimum repayment amount every month.

Returning the credit card overdraft limit on time, once it is overdue, the interest and penalty interest generated are often huge, even several times higher than the principal. Once the credit card is deactivated, it should be cancelled in time, otherwise it will continue to generate annual fees, resulting in bad records in the personal credit information system.

So much for the introduction of Minsheng Credit Card.