Shanghai Pudong Development Bank cooperated with China Mobile to issue the China Mobile Pudong Development Bank debit and credit co-branded card mentioned by the respondent. This commercial co-branded credit card consists of a "standard card" and a "mobile card", and has three independent accounts: electronic cash (i.e. mobile wallet), credit account (i.e. credit card) and debit account (i.e. debit card). The card’s all-in-one lending and borrowing features live up to its name. The credit function of this co-branded card was not activated at the beginning, so the limit was zero. It was only used as a debit card. Like other debit cards of Shanghai Pudong Development Bank, no annual fee or any other fees were charged. If you want to change the status quo of zero credit limit, cardholders can call Shanghai Pudong Development Bank's credit card customer service - 4008208788 to activate the credit function.