Can I overdraw a small card with Minsheng Star Card?

This is a credit card. You can't overdraw it. Features and uses:

1, fashion personality: Shanghai's first mini personality cards, a total of 12, stylish appearance, crystal clear cards.

2. Merchant discount: Many credit cards of fashion brands have special discounts.

3, double cartoon financial management: constellation card+credit card; Open Qian Shengqian B wealth management service with constellation card, maintain high liquidity of funds while enjoying notice deposit interest rate, and enjoy interest-free repayment period of up to 5 1 day with credit card consumption; Repayment can be automatically deducted from the constellation card account on the repayment date.

4. Concessionary card: annual fee is free for card handling, and ATM withdrawal between banks in the same city is free of handling fee (transparent mini card cannot withdraw money at ATM); The accumulated deposit of 65,438+00,000 yuan (including 65,438+00,000 yuan) at the counter in different places on the same day is free of charge.

5. Constellation story: send text messages and subscribe to your own "star" love.

6, integral ceremony: true feelings of people's livelihood, brush people's livelihood card, integral return, hundreds of prizes waiting for you to take.

7. Counter handling: deposit-free business can be handled at nearly 200 outlets of 7 joint-stock commercial banks in this city, including Everbright, Huaxia, Guangfa, Shenfa, China Merchants, Xingye and CITIC.

8. Convenient payment: online self-service payment is realized through PayPal (www.shfft.com), including mobile phone payment, mobile phone recharge, telephone charges, water charges and gas charges.

9. Secure account: In case the card is lost and fraudulently used, can you know it in time? As long as there is any fund change in the account in the card that meets the agreed conditions of the cardholder, real-time information can be sent by SMS, and the cardholder can accurately grasp the fund change at any time and place.

10. One account with many accounts: foreign currency deposits, time deposits and current deposits all have various passbooks and certificates of deposit, which are inconvenient to use and keep. Can you manage all deposit accounts with one card? Constellation cards can have up to 99 accounts, easily replacing all passbooks and certificates of deposit; Current and fixed savings deposits in RMB, Hong Kong dollars, US dollars, Japanese yen, Euro, British pound and other currencies 13 can be managed by one card.

1 1. Consumer payment: Constellation cardholders can use their credit cards at any special merchants in China (including Hong Kong, Macao, South Korea, Singapore, Thailand and other regions).

12, universal deposit and withdrawal: My son is studying abroad, and there is a charge for sending him money every time. Can he not pay this money? Cardholders can handle the deposit and withdrawal business of various currencies and deposits at any outlet of China Minsheng Bank, among which the deposit and withdrawal in the same city and the deposit and withdrawal in different places through the counter of outlets (the accumulated deposit on that day 10000 yuan or less) are free of handling fees.

13. automatic deposit: how to avoid interest loss if you forget to renew your deposit when it expires? Unless otherwise agreed, the time deposit of Mingxing Card will be automatically transferred according to the original deposit period after expiration.

14. Self-service deposit: What if the bank is closed? With the Star Card, you can deposit and withdraw money through the National Minsheng Bank deposit machine and ATM, and you can also withdraw money from any ATM with UnionPay logo (including Hong Kong, Macao, Taiwan, South Korea, Singapore, Thailand and other regions), and local cross-bank withdrawals are free of customer handling fees.

15. Self-service transfer: What should I do if I want to change my current account into a fixed account and pay my friends back? Constellation cards can be transferred to each other through telephone banking and online banking; You can transfer money to other star card accounts in real time through ATM, telephone remittance (the card number must be confirmed in writing in advance) or online banking.

16. Agency business: Does your company worry about receiving, exchanging, keeping and distributing cash every payday? Want to know how good it is to have someone do it for you? Constellation cards can be used to distribute wages, bonuses and pensions through the outlets of China Minsheng Bank, which is convenient for financial settlement of enterprises.

17. Inter-bank transfer: Mingxing Card can transfer money to bank card accounts opened in other networked banks through ATM and UnionPay Gateway (www.shinapay.com).

18, yinzhengtong: can I speculate in stocks without going to a securities company? Can I use the money in my savings account during the holidays? Direct securities investment through the current account of the constellation card by telephone avoids the trouble of frequent deposit and withdrawal, and you can withdraw funds freely during the liquidation period. At the same time, the constellation card bank card has a unique 30-day pre-entrustment function, so even if you don't have time to pay attention to the securities market, you won't miss the trading opportunity.

19, Yin Jitong: I want to speculate in the fund. Is there any way to solve all the account opening problems by running only one bank? Minsheng Bank Agency Fund Company provides customers with various investment and wealth management services such as household registration book, subscription, purchase, redemption, dividends, transfer custody and non-transaction transfer. Cardholders can make fund investments through telephone and Internet.

20. Bank-securities transfer: Through telephone or online banking, the cardholder can directly transfer funds between the current account of the bank card and the deposit account of the securities company.

2 1. foreign exchange trading: cardholders can participate in investing in the international foreign exchange market through telephone banking, counter banking or online banking, and obtain exchange difference income from multiple foreign currency exchanges.

22. Pledged loan: When customers need funds temporarily, they can pledge the local and foreign currency time deposits in the Star Card, and immediately apply for a small loan of less than 654.38+10,000 yuan through online banking or bank counters, which is convenient and quick.

23. Telecommunication service: What should I do if I want to make a long distance call but I am too lazy to buy an IP calling card? (1) IP phone: Call 179 10IP phone with the constellation card, and the phone bill will be automatically deducted from the current account of the constellation card. You can also dial IP directly from a fixed telephone, which saves the trouble of entering a long IP card number. (2) Internet service: You can surf the Internet through 165 with the constellation card, and the fee will be automatically deducted from the life account of the constellation card. (3) Long-distance call service: With the Star Card, you can make long-distance calls through 193300, and the phone bill will be automatically deducted from the current account of the Star Card.

24. Welfare Lottery: Can I buy welfare lottery tickets by phone? If you win the lottery, do you save the money yourself? Place a 24-hour bet on the Shanghai Welfare Lottery by telephone, and the amount of the bet will be deducted from the current account of the Constellation Card, so you can easily place a bet without leaving home. The funds below the third prize are directly transferred to the constellation card to avoid the regret of abandoning the prize because of losing the lottery ticket or forgetting to redeem the prize.

25. Telephone banking: Constellation Card provides customers with services such as business consultation, account inquiry, transfer service, lottery betting, password modification, loss reporting and application for opening a secure account 24 hours a day through telephone banking 95568.

26. Online Banking: Constellation Card provides cardholders with online shopping, account inquiry, transfer service, financial investment, password modification, application for loss reporting security account, self-service loan, foreign exchange trading and other services through regular and professional online banking.

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