Most of the cards of Shanghai Pudong Development Bank are called platinum cards, which loses the true meaning of platinum cards (also called fake platinum). Most of the cards with an approved credit limit of only 2,000 are also called platinum cards.

Why are platinum credit cards so popular? The standard platinum card can enjoy airport VIP lounges, high-speed rail VIP lounges, bank VIP services (swipe your VIP number), complimentary high-value aviation accident insurance, no-appointment and no-queue physical examinations at top-level hospitals, discounts at preferential merchants, points redemption for mileage, and free car assistance. At the same time, the credit limit is higher than that of ordinary credit cards (usually starting from 10,000 yuan), which is a symbol of status.

Supplementary information:

Nowadays, in order to improve the performance of Pudong Development Bank, many netizens have done it, and the success rate is over 90%. It seems very good, but I accidentally jumped into the pit of Pufa. This platinum card is a fake platinum card. There is no Platinum Card limit, but there is the Platinum Card annual fee. If you want to waive the annual fee, you have to consume as much as Pudong Development Bank stipulates for you. Got it? Almost all netizens have a limit of 2,000, and some have a limit of more than 5,000, which is helpful if they provide a garage certificate.

Extended information:

The credit card approval limit depends on personal qualifications.

When filling out the application form, there are several small details that affect the credit limit, such as whether you have a fixed phone number in this city and whether this number is registered in your own name or the name of a family member. Whether you are married, whether your mobile phone number has monthly rent, whether it is a registered residence in this city, etc. If the answer to the above is yes, the bank will greatly increase your credit evaluation accordingly. However, each condition is not absolute, but it is relatively easy to pass the qualification review and increase the initial consumption limit application, consumption credit and repayment credit. It is still the most important thing for banks.

Don’t forget to swipe your card anytime, anywhere. During the period of using the card, make a lot of purchases with the card. Try to choose stores with credit cards for food, clothing, housing and transportation. The more frequently you use it, you will have a relatively stable monthly consumption limit. You just change the original habit of cash consumption to credit card consumption. This shows your loyalty to the bank. The bank's information system will count the frequency and credit limit of your credit cards, and will automatically increase your credit limit in about half a year.

Maintain good credit by paying your bills on time. If you owe money, you must pay it back, and you can only borrow money if you need to exchange it. Banks also strictly follow this ancient truth. If you don't change the loan on time and don't repay it, you will definitely have no credit. It's best to repay it in full instead of just the minimum payment. The recurring interest will make you unable to bear it.

Proactively apply to increase your credit limit. After half a year of normal use of your credit card, you can actively apply in writing or call the service to adjust your credit limit. The bank needs approval. Under normal circumstances, your credit limit will be increased to a certain extent after reviewing your consumption and credit records.

Tips for increasing your credit limit:

It usually takes about half a year to increase your credit limit.

To increase the temporary limit, the following conditions must be met:

1. Hold the card for more than half a year;

2. Have at least two transactions every month in the past six months Card swiping records, online payments are not counted;

3. The total amount of card swiping in half a year is greater than 180 of the card's existing limit, that is, the average monthly card consumption is greater than 30 of the limit;

4. None Non-repayment, etc. will result in late payment fees (it is enough to pay the minimum repayment amount, and the fees incurred by not repaying in full are called interest and are not counted as late payment fees); if the above conditions can be met, then generally the application for an amount increase will be approved, and every time the amount is raised The maximum standard of the quota generally does not exceed 100 of the existing quota.