The tips for applying for Pudong Development Bank’s Universal Gold are:

1. When the credit card is not overdue, make partial installments of the credit card bill, and after the installment, pay the entire bill before the repayment date. Pay it off, but don't swipe it out yet. At this time, customer service may call you and invite you to apply for the universal fund.

2. Keep good credit card usage records of Pudong Development Bank and maintain your personal credit information.

3. The credit card should maintain more than 15 consumption records every month, and the consumption amount should preferably reach more than 70% of the credit card limit.

4. Participate in more credit card activities of Shanghai Pudong Development Bank to increase your contribution to the bank.