What is the general credit card limit of Shanghai Pudong Development Bank?
First of all, the credit card limit, also known as the available limit of a credit card, refers to the maximum amount that can be used by the cardholder's credit card, which includes credit The limit (that is, the maximum overdraft limit that a credit card can use) and the amount deposited into the credit card.
At the beginning of applying for a credit card, banks will not give cardholders too much credit limit, because credit card consumption also involves banks taking certain risks, which is equivalent to giving you a loan to consume in advance. If the cardholder cannot repay within the specified time, the bank will also bear corresponding losses.
The credit amount for ordinary cards generally ranges from a few thousand yuan to tens of thousands of yuan. The maximum credit limit for ordinary cards is 50,000 yuan, and the credit limit for gold cards is much higher. The minimum limit of Shanghai Pudong Development Bank’s gold card starts at RMB 10,000 and reaches a maximum of RMB 50,000. Generally, people in the testing phase will be given a credit card with a minimum limit of 2,000 yuan, and non-test people will be given a credit card with a minimum limit of 3,000 yuan.
I would also like to say that credit card limits are cultivated slowly. The more water is poured, the better the flowers will bloom. The credit card limit is affected by various aspects such as annual income from work and job stability. If you want to apply for a high-limit credit card, the card application channel you choose is also very important.
How much does a Shanghai Pudong Development Bank credit card limit generally start?
The Shanghai Pudong Development Bank credit card limit will be affected by the card level, and the credit limit will be different depending on the card level. The credit limits from low to high are regular card, gold card and platinum card. The limit of regular credit cards is 1,000-10,000, and the limit of gold cards is 10,000-50,000.
The Platinum Card limit is more than 50,000 yuan, and the specific amount is determined by the credit card application information and the applicant's qualifications. Generally speaking, if the card applicant is applying for a credit card for the first time, he can usually only apply for a regular card, and the limit is usually around 5,000.
Extended information:
Limit increase
1. Win more often
Use credit cards frequently, no matter how big or small, as long as you can swipe the card Definitely pay by credit card.
2. Win by amount
It is best to produce monthly bill consumption that is at least 30% of the total amount.
3. Temporary quota increase
Due to short-term needs to increase the quota due to holidays, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.
4. Persistence
Continuously call for quota increase applications. Sometimes different customer service applications will be processed differently.
5. Dormant Suspension
If you intend to deactivate a credit card for a certain period of time, the bank will provide certain incentives for the activation of dormant cards, such as bonus increases.
6. Seize the opportunity
The time to raise the quota is also very important. It is most effective to apply on billing day or when your card has just been maxed out.
7. Continuous consumption
The bill for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.
Value-added services
Car roadside assistance services
Pudong Development Bank Credit Card holders can order roadside assistance services by themselves through the "Online Account Service" on the official website of Pudong Development Bank Credit Card. During the validity period of the service, in mainland China, call the road rescue service hotline and enjoy 24 hours a day, 365 days, year-round road rescue services. Roadside assistance service fee is 100 yuan/year.
Global Emergency Support
Shanghai Pudong Development Bank Credit Card and international card organizations with a huge global network provide 24-hour global emergency support services. This service includes business assistant services, emergency legal assistance, emergency medical services and other personalized services to meet your various special emergency needs.
Application Requirements
Basic Requirements
Applicants must be over 18 years old, have full capacity for civil conduct, have legal and stable sources of income and solvency, and have good credit standing natural person. You can apply for a personal credit card master card at the Credit Card Center with your valid identity document and other documents required by the Credit Card Center.
The main cardholder can apply for supplementary cards for other persons who are over 15 years old and have spouse, parent, child, etc. relationships with the main cardholder.
Application process
Receive application form:
Receive channels
1. Call the application hotline to obtain the application form
2. Apply for a credit card online
3. Pick it up at any business outlet of Shanghai Pudong Development Bank
Fill in the application form
1. Fill in the relevant personal information on the application form
2. After confirming that the filled in information is correct, sign your name in the signature column
3. Attach the required documents according to the prompts on the application form
4. If you choose to fill out the complete application form online, please follow the prompts to confirm "Submit" and "Print"
What is the general credit limit of Shanghai Pudong Development Bank?
The credit cards of Shanghai Pudong Development Bank can be roughly divided into three types according to the limit level: regular card, gold card and platinum card. Among them, the limit for regular cards is 1,000-10,000, the limit for gold cards is 10,000-50,000, and the limit for platinum cards is more than 50,000 yuan. The specific amount is determined by the application materials.
Everyone knows that there are high and low credit card limits, so what are the conditions that determine the credit card limit? This depends on the situation. We will explain it in three situations: first-time card application, second-time card application and daily limit increase.
1. Apply for a card for the first time
When applying for a card for the first time, there are two factors that affect the limit: card level and cardholder conditions.
Card level: The limit of regular card is generally less than 10,000 yuan, the limit of gold card is generally 10,000-100,000; the limit of platinum card is generally more than 50,000 yuan.
Cardholder conditions:
1. Personal income: job position, monthly income, and nature of the work unit.
2. Personal academic qualifications and professional titles: Higher academic qualifications and technical titles will increase your credit limit.
3. Family conditions: whether married and local.
4. Personal assets: Do you have personal assets such as houses, cars, bank deposits, etc.
5. Other credit cards and limit: If you have a credit card from another bank and the limit is higher, you can apply for a credit card with a higher limit. However, if you have too many credit cards, your application for other credit cards will be rejected.
2. Apply for a credit card again
For cardholders who apply for a credit card again, the bank will give them a refund based on the applicant’s income, credit cards that have been applied for by other banks, and their usage records. Out of credit limit. As long as the cardholder has no overdue repayment record and has a certain repayment ability, the bank will provide sufficient credit limit for the cardholder to use.
However, for some cardholders who have applied for credit cards multiple times and have overdue repayments on their credit cards or have maintained minimum repayments for a long time, banks will generally not approve or approve the cards in order to reduce risks. The card limit will be very low.
3. Daily limit increase
If a credit card needs to be raised during normal use, the bank’s approval basis is generally based on the cardholder’s card usage record: whether the number of credit card swipes is sufficient, daily limit increase, Whether the quota usage ratio is high enough, whether the loan can be repaid on time, etc.
If the cardholder has a good card usage record, the bank will generally accept the application and approve it. There are also some banks that do not allow applicants to apply on their own initiative, and the bank can only make the decision.
Although high-limit credit cards are good and can solve urgent needs, too high a limit can easily trigger your own desire to consume. When the time comes, you will easily become a card slave if you have too much credit card debt.
What is the limit of Shanghai Pudong Development Bank Credit Card under normal circumstances?
The limit of ordinary card credit card is 1000-10000, the limit of gold card is 10000-50000, and the limit of platinum card is more than 50000 yuan. The specific amount Determined by credit card application information. Generally speaking, if the card applicant is applying for a credit card for the first time, he can usually only apply for a regular card, and the limit is usually around 5,000.
Factors affecting Shanghai Pudong Development Bank’s credit card limit:
1. Marital status: Married card applicants can get higher limits;
2. Technical titles and jobs Status: Applicants with stable jobs and technical titles will have higher credit limits;
3. Financial ability: Card applicants with strong financial ability can of course get higher credit limits;
4 , Personal housing: Applicants who have a house in their own name have a higher limit;
5. Credit record: Card applicants with good credit status can get a higher limit;
6 . Education level: The higher the education level, the higher the credit card limit.
What is the credit card limit of Shanghai Pudong Development Bank?
The credit cards of Shanghai Pudong Development Bank can be roughly divided into three types according to the limit level: regular card, gold card and platinum card. Among them, the limit for regular cards is 1,000-10,000, the limit for gold cards is 10,000-50,000, and the limit for platinum cards is more than 50,000 yuan. The specific amount is determined by the application materials.
Everyone knows that there are high and low credit card limits, so what are the conditions that determine the credit card limit? This depends on the situation. We will explain it in three situations: first-time card application, second-time card application and daily limit increase.
1. Apply for a card for the first time
When applying for a card for the first time, there are two factors that affect the limit: card level and cardholder conditions.
Card level: The limit of regular card is generally less than 10,000 yuan, the limit of gold card is generally 10,000-100,000; the limit of platinum card is generally more than 50,000 yuan.
Cardholder conditions:
1. Personal income: job position, monthly income, and nature of the work unit.
2. Personal academic qualifications and professional titles: Higher academic qualifications and technical titles will increase your credit limit.
3. Family conditions: whether married and local.
4. Personal assets: Do you have personal assets such as houses, cars, bank deposits, etc.
5. Other credit cards and limit: If you have a credit card from another bank and the limit is higher, you can apply for a credit card with a higher limit. However, if you have too many credit cards, your application for other credit cards will be rejected.
2. Apply for a credit card again
For cardholders who apply for a credit card again, the bank will give them a refund based on the applicant’s income, credit cards that have been applied for by other banks, and their usage records. Out of credit limit. As long as the cardholder has no overdue repayment record and has a certain repayment ability, the bank will provide sufficient credit limit for the cardholder to use.
However, for some cardholders who have applied for credit cards multiple times and have overdue repayments on their credit cards or have maintained minimum repayments for a long time, banks will generally not approve or approve the cards in order to reduce risks. The card limit will be very low.
3. Daily limit increase
If a credit card needs to be raised during normal use, the bank’s approval basis is generally based on the cardholder’s card usage record: whether the number of credit card swipes is sufficient, daily limit increase, Whether the quota usage ratio is high enough, whether the loan can be repaid on time, etc.
If the cardholder has a good card usage record, the bank will generally accept the application and approve it. There are also some banks that do not allow applicants to apply on their own initiative, and the bank can only make the decision.
Although high-limit credit cards are good and can solve urgent needs, too high a limit can easily trigger your own desire to consume. When the time comes, you will easily become a card slave if you have too much credit card debt.
What is the credit limit of Shanghai Pudong Development Bank?
As of January 2020, the limit for regular cards is 1,000 yuan to 10,000 yuan, the limit for gold cards is 10,000 yuan to 50,000 yuan, and the limit for platinum cards is more than 50,000 yuan. The specific amount is determined by the application materials.
Conditions for Shanghai Pudong Development Bank credit card application:
1. Application conditions
The applicant already holds a credit card from another bank, and the card status is normal and there is no bad record ;
The credit card from another bank has been used for 1 year.
2. Application materials
Applicant’s identity certificate and original credit card from other banks.
3. Application channels
When applying for a Shanghai Pudong Development Bank credit card, you need to bring the above-mentioned materials to a Shanghai Pudong Development Bank branch for processing. Only the normal application method is currently supported online. If the applicant needs to inquire about issues related to business outlets, he or she can call the customer service hotline of the Shanghai Pudong Development Bank Credit Card Center.
The processing time for Shanghai Pudong Development Bank credit card is about 15 working days.
The Shanghai Pudong Development Bank credit card review process is: preliminary review - credit investigation - card production - card delivery. It takes about 15 working days to complete the entire process. in addition. When the bank is reviewing the application, the applicant can check the application progress through Shanghai Pudong Development Bank online banking, mobile banking, or telephone.
Extended information:
Credit has many functions and advantages, which can be summarized as follows:
1. It facilitates people’s lives and eliminates the need to carry There is no need to worry about cash, and there are no geographical restrictions on using credit cards. No matter where in the country the card is swiped, as long as it has the UnionPay logo, it can be swiped without any fees.
2. You can participate in various preferential and discount activities cooperated by merchants and banks, and you can enjoy a variety of discounts when spending money at merchants that cooperate with banks.
3. Value-added services. Various credit cards launched by banks come with some value-added services. At present, the services launched by various banks can be divided into seven categories: cash returns, lottery draws, shopping discounts, free insurance, travel services, personal financial reports and other value-added services. These are the additional benefits that credit cards bring us.