Where to print the Shanghai Pudong Development Credit Card Personal Credit Report Objection Application Form?
1. First log in to the official websites of major commercial banks and select Loans to enter.
2. Next, find the credit report in the service center and check the box to agree to the query authorization agreement.
3. After applying for the final report, confirm the submission, and wait for the credit report query results, you can download and print it.
How to apply for Pudong Development Credit Card
Apply online immediately
1. Apply for a credit card online immediately.
2. After filling in the information, submit the application online. Customers who apply for a Pudong Development Credit Card for the first time must go to a Pudong Development Bank branch to activate the card after receiving the card.
Fill in the paper application form offline
1. Please go to any business outlet of Shanghai Pudong Development Bank to collect the paper application form.
2. Fill in the relevant personal information on the application form.
3. After confirming that the filled in information is correct, sign your name in the signature column.
4. Attach the required documents according to the prompts on the application form.
5. Submit the application form in person at any designated business outlet of Shanghai Pudong Development Bank. Please visit Pufa Business Outlet Information
1. There are two ways to apply for a credit card: one is to go to the branch counter to apply; the other is to apply online. The advantage of handling it at an outlet is that there are staff to provide guidance, which can avoid trouble and detours. Applying online is quick, time-saving and effort-saving, but your personal credit is better.
2. The simplest and easiest way is to apply for a card with a card. Shanghai Pudong Development Bank supports card application business, which means that applicants use a credit card they already hold from another bank as application materials to apply for a Shanghai Pudong Development Bank credit card. However, applying for a credit card requires applicants to be between 18 and 60 years old, have a stable job, and have a stable income; have a credit card from another bank that has been used for more than half a year; the most important thing is that the credit card from another bank has been used for the past 6 months. There are no overdue records.
SPD Bank will refer to the repayment records and consumption usage of credit cards from other banks submitted by the applicant to determine whether to approve the card and how high the limit will be.
3. Tips for filling in application information (real):
1) Marital status: Married with children score the highest because they are relatively stable.
2) Educational background: Extra points will be given for higher education, at least a bachelor’s degree or above.
3) Housing status: Self-purchased without a loan, extra points. It shows that the financial strength is good and there is no burden.
4) Personal annual income: the more, the better, don’t exaggerate.
5) Length of residence at current address: The longer the better, be careful not to be outrageous.
6) Working time in current unit: at least 1 year, the longer the better.
7) Occupation and industry types: public institutions, state-owned enterprises, top 500 companies, and well-known companies are the best.
If you are already a bank credit card holder, you need to fill out the application form online, print it out and mail it to the bank's credit card center.
When applying for a bank credit card online, you need to fill in your company phone number, mobile phone number and other personal valid documents. Please be sure to fill it out accurately and remember it for future activation of your credit card.
Materials for applying for a credit card:
1. Identity proof: copy of resident ID card or military officer ID;
2. Work and income proof;
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3. Other proofs of financial resources: such as a copy of the real estate certificate, a copy of the driving license, a copy of the deposit receipt, etc.
How to apply for a Shanghai Pudong Development Bank credit card
Apply for a Shanghai Pudong Development Bank credit card The ways are:
1. Online application:
Visit the official website of Shanghai Pudong Development Bank Credit Card and choose to apply for a credit card online immediately; after completing the information, submit the application online. Customers who apply for a Pudong Development Credit Card for the first time will receive After receiving the card, you need to go to a Pudong Development Bank branch to activate it.
2. Offline application:
Download the application form online and print it, or pick it up at any business outlet of Shanghai Pudong Development Bank; fill in the relevant personal information on the application form; confirm the information filled in After it is correct, sign your name in the signature column; attach the required documents according to the prompts on the application form; submit the application form to any designated business outlet of Shanghai Pudong Development Bank.
How credit cards generate income:
Some people are shocked by banks’ high limits or interest-free periods, and think that credit cards are almost a “public welfare” undertaking. In fact, credit cards are banks’ profits in traditional industries. The richest piece of cake.
Credit card business income comes from:
1. Annual fees (currently banks with advanced business concepts have given up on this area, which is in line with international standards)
2. Revolving interest ( The annual interest rate is more than 18%, which cannot be compared with any other business)
3. Card handling fees. The dispute between merchants and bank handling fees reported in the media a while ago was about this matter. Although customers Pay according to the listed price, but the merchant has to pay handling fees to the card issuing bank, acquiring bank and settlement organization (collected by the acquiring bank). This is a big piece of cake. Previously, Yongle Home Appliance complained that the bank's rate was equivalent to their gross profit. Therefore, the total contribution of all customers of a bank is terrifying.
International credit card organizations:
Mainly refer to VISA and MASTER. In fact, they provide credit card settlement services. Bank A issues cards. If Bank B in another country wants to collect money, it must Settlement through the network of international credit card organizations. After a long period of operation, the credit cards of these two organizations are almost universally accepted. Others include JCB, AE Express, and other credit card networks that Chinese people are less aware of. In fact, they are networks operated by the card issuing organizations themselves.
Password required:
Anything that comes to China will become in line with Chinese characteristics. Therefore, after Guangfa, China Construction Bank also launched international credit cards using passwords.
In fact, credit cards are only used with signatures. Merchants are obliged to verify that the signature must be consistent with the back of the card before transactions can be made. In foreign countries, fraudulent use of credit cards is a crime, and merchants will immediately call the police if they find anything wrong. However, domestic merchants have no such awareness and most of them will not check.
So the bank said that in order to protect the rights and interests of consumers, it promoted the use of passwords. In fact, using a password only protects the bank's rights and interests. Any credit card agreement will say "Any transaction using a password will be deemed to be authorized by the cardholder." That is to say, if someone steals your password (now The means of stealing passwords are difficult to detect), fraudulent use or making of fake cards are considered to be authorized by you. If you only use a signature, if you find an unknown purchase, you can ask for the purchase order to be changed. If it proves that it is not your signature, just leave everything to the bank. Of course, if it is not yours, you will not have to pay. The merchant will not verify the signature and let the bank Just ask the merchant for money.
That’s it for the introduction of Pudong Development Credit Card Application Form.