What is the platinum credit card limit of Minsheng Finance?

Is elite platinum credit card worth doing? Equity evaluation, annual fee, quota.

Minsheng Elite Platinum Credit Card is a very popular and popular card of Minsheng Bank. It can be said that there are quite a few applicants for this card. So, is the Minsheng Elite Platinum Credit Card worth doing? Today, I will make an evaluation and analysis from three aspects: the rights and interests, annual fee and quota of elite platinum credit cards.

Rights and interests:

1. Cardholders can enjoy unlimited flight delay insurance throughout the year, with a maximum of 1 10,000 traffic accident insurance and a maximum of 1 10,000 aviation accident insurance.

2. Cardholders can enjoy 2 times points for overseas transactions.

Cardholders can enjoy fast customs clearance services at eight international airports in China and high-end hotels around the world, such as 3 pay 2 for check-in, 4 pay 3 for check-in, free breakfast for two, room upgrade and so on.

Edition cardholders can also enjoy the discount of Haitao's highest cash back 15%, as well as the cash back rights of world-famous museums and parks.

Comments:

The rights and interests of this elite platinum card of Minsheng Bank can be said to be quite rich. Whether it's flying, staying in a hotel, or spending shopping and traveling abroad, Haitao, etc. You have exclusive rights.

Annual fee:

The annual fee of Minsheng Elite Platinum Credit Card is 1800 yuan, and the supplementary card fee is not charged for the time being. Annual fee waiver. Activate on March 3rd19th, and you can enjoy the annual fee-free discount for the first year. And its annual fee will automatically deduct 200,000 points in the following year.

Comments:

There is no doubt that as a high-end platinum card, its annual fee is definitely quite high. However, compared with other high-end whites, the annual fee burden of people's livelihood elite whites is easier.

Not only is there a discount for exempting the annual fee in the first year, but the annual fee in the second year can also be exempted with points. Its consumption can accumulate multiple points, so it is not particularly difficult to reduce the annual fee.

Quota:

Minsheng Elite Platinum Credit Card is a high-end platinum card, with a high quota of 80,000.

Comments:

First of all, as a high-end white, this credit card is not fake platinum, so there will be no food card. Moreover, Minsheng Bank has always given a generous amount, such as 50,000 platinum cards and 80,000 credit cards. So the quota is also quite good.

The above is "Is Minsheng Elite Platinum Credit Card Worth Doing?" The answer. Regardless of the rights and interests of the card, the amount of the card or the annual fee policy, Minsheng Elite Platinum Credit Card is a very good high-end platinum credit card.

Annual fee for replacement of Minsheng Finance Platinum Credit Card in the following year.

Minsheng Bank Credit Card Annual Fee:

Standard platinum card 600 yuan/year, supplementary card 300 yuan/year;

3,600 yuan/year for luxury platinum card, supplementary card 1, 800 yuan/year;

Annual fee waiver policy:

After the standard platinum card is activated, the annual fee will be charged in the first year. If you spend 18 card or 50,000 yuan or equivalent in the current year, you can avoid the annual fee of the following year, and so on (except for special cards).

For credit cards with special card types and annual fee concessions, the annual fee collection policy is subject to the card jam or refer to official website for details. ※.

In the annual fee waiver, according to the rule that the number of transactions reaches the standard, only the number of consumption transactions is counted, and the transaction amount is not limited. ※:

What are the three platinum cards of people's livelihood?

There are no types of standard platinum cards for people's livelihood. Minsheng Platinum Card is a bank card launched by China Minsheng Bank. The annual fee of Platinum Card Standard Edition is 600 yuan, with an interest-free period of 20-50 days, and the minimum amount owed should be 10%. Among all kinds of card products, Minsheng Diamond Platinum Credit Card, Minsheng Woman Flower Credit Card, Minsheng International Student Credit Card and Minsheng VISA Olympic Credit Card are favored by cardholders. In the field of high-end customers, Minsheng Diamond Platinum Credit Card has issued more than 654.38+million cards, ranking among the best in China.

1, Minsheng Bank Online Banking

Minsheng Bank's personal online banking has realized the sub-functions of 168 for 28 businesses such as investment, loan and application, which basically covers most functions of the counter except cash deposit and withdrawal. Customers log on to Minsheng Bank's website through the Internet, and banking services can be delivered directly to customers' homes, and investment and financial management needs can be easily realized without leaving home.

According to the customer's financial service demand, the variety of personal online banking business is constantly enriched, and the real-time payment of large and small amounts enables you to complete the transfer and remittance quickly; Mortgage account opening loan and personal self-service revolving loan have been added to the loan business in online banking; The payment business closely related to daily life is also expanding the payment field; Financial investment businesses such as "Qian Shengqian" wealth management, e-government bonds, fund investment, foreign exchange transactions and safe deposit box services meet customers' convenient and flexible enjoyment of financial life.

2. Benefits of Minsheng Standard Platinum Credit Card:

(1) Aviation service: No matter what level of flight seat you take, you can directly enter the China Minsheng Bank Airport 18 VIP lounge for free, and a special person will handle all the boarding procedures for you. Diamond credit card holders can enjoy exclusive private space in more than 450 airport lounges around the world.

② Preferential travel service is guaranteed: As a distinguished guest of Minsheng Platinum Credit Card, we provide you with the most comprehensive and thoughtful travel guarantee of domestic banks. The first ultra-high insurance with a maximum of 8 million yuan will benefit you and your peers.

3. Hotel service: Minsheng Platinum Credit Card VIP line, you can easily book top hotels in the world, bringing you extraordinary privileges such as free broadband, free breakfast, free upgrade, preferential check-in and cumulative upgrade!

④ Road rescue: With Minsheng Platinum Diamond Credit Card, you can enjoy nationwide 24-hour road rescue service, allowing you to enjoy unlimited road emergency rescue in nearly 300 cities across the country (excluding Hongkong, Macau and Taiwan Province Province for the time being), and truly realize the perfect idea of "one card in the world".

⑤ Global exclusive route: As a trapeze, you pay more attention to the quality and quality of life. Minsheng platinum diamond credit card, especially provides you with preferential services on many European and American boutique international routes.

Is the interest of Minsheng Platinum Financial Credit Card 10000 yuan per day in May counted?

No, but the annual interest rate of this loan is very high. The annual interest of/kloc-0 is 5365 = 1 825 yuan, and the annual interest rate is 18.25%, which is very high. If the annual interest rate exceeds 24%, it is more than 2 cents.

Provisions of the Supreme People's Government on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it. If the annual interest rate exceeds 24% (2 cents per month) but does not exceed 36% (3 cents per month), if the debtor has paid 24%-36% of the interest to the creditor, but asks the creditor to return it in the lawsuit and refuses to support the debtor's request, it is equivalent to recognizing the actually paid interest.

The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it. This is aimed at, if the annual interest rate exceeds 36%, it will be deemed invalid. Even if the borrower has paid, he can ask for a refund of more than 36% interest.

1. Generally, the annual interest rate is above 36, the loan is 100 yuan, and the interest above 36 yuan is paid for one year. The personal interest rate can reach 100200. In the history of our country, last year's interest generally reached 100, and it was a "rolling interest", that is, a loan of 100 yuan. After one year, it was repaid to 200 yuan, but it could not be repaid at maturity. In the second year, it was repaid to 400 yuan and in the third year. What is the interest rate? It is reported that the interest rate of private individual loans is determined by both borrowers and lenders through consultation, but the interest rate determined through consultation between the two parties shall not exceed four times the loan interest rate of financial institutions of the same grade in the same period announced by the People's Bank of China, excluding fluctuations. Those who exceed the above standards should be defined as high-interest loans. How much should I pay back a thousand-year loan100000? We often say 1 dividend is to calculate the monthly interest according to 1 of the loan amount. Two points is the monthly interest of two. If you calculate the annual interest rate, it is 24 annual interest rate. After figuring out the specific meaning of 2-point interest, it is very simple to know the interest of 2-point interest loan of 65,438+10,000 yuan.

2. Divide the interest. The loan is 654.38 million yuan, and the monthly interest is RMB, and the annual interest is 48,000 yuan. What's more, the interest of 2 points is very high. To apply for such a loan, you should pay attention to your repayment ability. At the same time, the interest generated should be calculated according to the specific interest calculation method. If you feel that the interest rate of 2 points is too high, you can contact the home loan consultant through the home page and consult the local loan interest rate. Whether the IOU is valid or not is the necessity driven by interests under the market economy. In recent years, with the gradual deepening of the market economy, for borrowers, the threshold of bank lending is very high and the procedures are very complicated, but the four times interest included in bank loans in the same period is still valid. Therefore, the IOU is only partially invalid.

Difference between Platinum Financial Credit Card and China Minsheng Bank Platinum Credit Card

Difference: 1, annual fee of platinum wealth management card 1500, high amount,10-500,000; The annual fee of the Platinum Card is 600, and the limit is 50,000 to100,000.

2. There is no interest-free period for withdrawal of platinum wealth management card consumption, and the interest is five ten thousandths per day.

The annual fee of the supplementary card is half of the annual fee of the main card.

The annual fee for the next year is exempted when the total amount of the annual bill of the platinum wealth management card reaches100000, and the annual fee for the next year is exempted when the score of the platinum card reaches 18 or reaches 50,000 yuan.

What are the benefits of people's livelihood standard platinum credit card?

You can enjoy the following benefits:

1, go to the gas station to refuel and get the corresponding cashback.

2. You can enjoy efficient and caring medical services.

3. You can avoid the annual fee after swiping the card for a certain number of times.

4. Points earned by credit card consumption and other means can be used to redeem air miles.

5, you can enjoy the service of one yuan car wash.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Credit card advantage

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.

Validity period: It is known that the validity period of domestic credit cards is generally three to five years.

Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

This concludes the introduction of Minsheng Financial Platinum Credit Card and Minsheng Financial Platinum Credit Card. I wonder if you found the information you need from it?