Minsheng bank credit card will not affect personal credit after the minimum repayment amount is paid on the repayment date, and it is not regarded as overdue repayment. However, if there is no full repayment in the later period, the bank will charge five ten thousandths of the daily interest according to the outstanding principal, but it will not be reported to the national personal credit information system. If conditions permit, it is recommended to repay in full to avoid paying extra high interest.

Since the issuance of Minsheng Bank Credit Card, it has actively explored the market and deepened customer segmentation. At present, it has established a complete product system, launched more than 100 products, covering five major product lines, and cooperated with five major international credit card brands such as China UnionPay, VISA, MasterCard, JCB and American Express, involving seven overseas currencies. The products issued range from Puka, Gold Card, Platinum Card, Diamond Card to Black Gold Card, covering all consumer classes and meeting all kinds of consumer needs of customers.

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Minsheng Bank Credit Card Interest Calculation Method

According to the unified regulations of the People's Bank of China, Minsheng Bank charges a daily interest rate of 0.5 ‰, with monthly compound interest. (Interest is not calculated during the interest-free period)

Minsheng Bank adopts the calculation method of revolving credit interest.

Revolving credit: Revolving credit is a small unsecured loan with daily interest. According to your financial situation, you can decide the repayment amount by yourself every month before the current credit card bill expires. When the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the current repayment amount, the remaining deferred repayment amount is the circulating credit balance. Revolving credit is a very convenient loan tool, which not only allows you to enjoy the convenience of swiping your card, but also is a good choice for you to manage your finances easily. If you choose to use revolving credit, you cannot enjoy the interest-free repayment period in the current period.

Interest calculation of revolving credit:

The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date, and the daily interest rate is five ten thousandths. The interest on revolving credit will be listed in the next bill.

Baidu Encyclopedia-Minsheng Bank Credit Card

Credit Card Center of China Minsheng Bank-Introduction of Credit Card Center