Is it easy to apply for Pudong Development Credit Card?
It is easy to apply. Shanghai Pudong Development Bank’s credit cards include main card and supplementary card. The application conditions are as follows:
1. Main card application conditions: Over 18 years old, good personal credit record, stable job and income;
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2. Supplementary card application conditions: Must be 15 years old (inclusive) or above; the applicant for the supplementary card is an immediate relative of the applicant for the main card, that is, the relationship between the applicant for the main and supplementary card is: spouse, parents, and children.
Information required to apply for a Shanghai Pudong Development Bank credit card:
1. Identity documents such as ID card and household register;
2. Educational qualification documents;< /p>
3. Work certification document stamped by the unit;
4. Income certificate issued by the unit;
5. Credit report;
6. Proof of financial resources;
7. Proof of residence (copies of water, electricity, coal, residential phone bills, and property management fee documents can be provided as valid proof of residence).
As long as you meet the above application conditions and provide the above application information, you can easily apply for a Shanghai Pudong Development Bank credit card. In short, if you meet the conditions, the more complete the information you provide, the faster the bank's review will be and the process will be relatively easier. Also, the difficulty of applying for a credit card mainly depends on the personal conditions of the applicant, not the review standards of which bank. If you can provide valid financial documentation, it will help the bank understand your personal situation and determine your credit limit. If you already have a credit card, you can use the card to apply for a card, which can also facilitate many steps.
The Credit Card Center of Shanghai Pudong Development Bank (referred to as "Shanghai Pudong Development Bank") was established in January 2004. It is a direct operating institution established by Shanghai Pudong Development Bank that specializes in credit card business. The product and service system of Shanghai Pudong Development Bank Credit Card Center includes: a credit card product that can be customized by users - Pudong Development Dream Card; cooperation with popular domestic and foreign institutions and brand IPs such as the Forbidden City, Barcelona Football Club, and Zhuxiaoyi; and cooperation with the aviation industry, hotel industry, and department stores. It cooperates with industries such as the industry, communication industry and Internet platform to launch co-branded theme credit card products; it jointly issues high-end card products with rich rights and interests with VISA, American Express, MasterCard International and other domestic and foreign card organizations.
The Shanghai Pudong Development Bank Credit Card Center has launched "Dream Xiangjia Club", "Xiao Pu Huihua" and other credit card preferential platforms, and launched a marketing activity system such as red envelopes, movies, miles, and hotels. Shanghai Pudong Development Bank Credit Card provides Pu Daxi Ben APP and other mobile service platforms.
What are the levels of credit cards of Shanghai Pudong Development Bank?
The credit cards of Shanghai Pudong Development Bank can be roughly divided into three types according to the credit level: regular card and gold card. The credit card limit is 1,000-10,000, the gold card limit is 10,000-50,000 yuan, and the platinum card limit is more than 50,000 yuan. The specific amount is determined by the application information.
Everyone knows the credit card limit. There are high and low credit card limits, so what conditions determine the credit card limit? This depends on the situation. We will explain it in three situations: first-time card application, repeated 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 for ordinary cards is generally 10,000. The limit for gold cards is generally 10,000-100,000 yuan; the limit for platinum cards is generally more than 50,000 yuan.
Cardholder conditions:
1. Personal income: job position, monthly income. , The nature of the work unit.
2. Personal academic qualifications and professional titles: higher academic qualifications and technical professional titles will increase the credit limit.
3. Family conditions: whether you are married and whether you are a local.
4. Personal assets: Do you have any personal assets such as houses, cars, bank deposits?
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, but if you have too many credit cards, your application for other credit cards will be rejected.
2. Apply for a credit card again
For those who apply for a credit card again. For cardholders, the bank will give a credit limit based on the applicant's income, credit cards from other banks, and their usage records.
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 meet 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 Shanghai Pudong Development Bank credit card? What are its advantages and disadvantages?
The Pudong Development Bank Credit Card is pretty good. Pudong Development Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free.
Now, based on the basic functions, Pudong Development Credit Card’s security measures for credit card use involve all aspects before, during and after the event. It has designed six layers of protection measures, including the earliest in China. The launch of free text messages, photo cards, priority dispute handling and other security +++, and the unique 24-hour anti-fraud function can provide timely warnings for suspicious transactions around the clock and take preventive measures in advance. in addition.
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.
How about Pudong Development Bank’s credit card?
The Pudong Development Bank Credit Card is good. It has the following advantages:
There is no annual fee, so you don’t have to worry about being charged.
VISA UnionPay dual-currency credit card can also be used abroad.
The official account has card swiping and repayment reminders, no need to download the app.
It needs to be explained that the Shanghai Pudong Development Bank annual fee-free credit card is unconditional. It is not the kind that only waives the annual fee within the validity period, nor does it require several transactions to be waived.
This is also the main reason why I applied for this card.
Finally, let’s talk about the shortcomings. After using the card for 5 years, I always received calls from Pudong Development Bank staff in the first year recommending their universal card.
The Credit Card Center of Shanghai Pudong Development Bank (referred to as "Shanghai Pudong Development Bank") was established in January 2004. It is a direct operating institution established by Shanghai Pudong Development Bank that specializes in credit card business.
The product service system of Shanghai Pudong Development Bank Credit Card Center includes: a credit card product that can be customized by users - Pudong Development Dream Card; it cooperates with popular domestic and foreign institutions and brand IPs such as the Forbidden City, Barcelona Football Club, and Zhuxiaofi, and cooperates with Industries such as the aviation industry, hotel industry, department store industry, communications industry, and Internet platforms have cooperated to launch joint-themed credit card products.
Joined with VISA, American Express, MasterCard International and other domestic and foreign card organizations to issue high-end card products with rich rights and interests.
The Shanghai Pudong Development Bank Credit Card Center has launched "Dream Xiangjia Club", "Xiao Pu Huihua" and other credit card discount platforms, and launched a marketing activity system such as red envelopes, movies, miles, and hotels.
Shanghai Pudong Development Bank Credit Card provides mobile service platforms such as Pudong Xiben APP.
Is Shanghai Pudong Development Bank Credit Card easy to use? Which one is the best
For a credit card novice, it is really important for someone to tell him which credit card from which bank is good or not! Some friends have asked me whether Shanghai Pudong Development Bank’s credit card is easy to use. Let me answer you~
Shanghai Pudong Development Bank Credit Card Intimate Service
Shanghai Pudong Development Bank Credit Card Center was established In January 2004, it is a direct operating institution established by Shanghai Pudong Development Bank to specialize in credit card business. It is also one of the earliest credit card centers in China to obtain a financial license. Shanghai Pudong Development Bank Credit Card Center adheres to customer needs as the center, continuous innovation as the driving force for development, improves the product system, innovates special services, and enhances customer experience. The Shanghai Pudong Development Bank Credit Card Center has innovated a number of service functions, taking the lead in China to provide credit card shopping and travel inconvenience protection, photo cards, credit card SMS instant messages, free installment payment, etc., striving to bring cardholders a considerate and thoughtful card use experience.
Pudong Development Bank has a wide range of credit cards
Pudong Development Bank has a wide range of credit cards, and has successively issued regular cards, gold cards, platinum card series, WOW series cards, McDull cards, accelerated points cards, wealth cards, etc. Star cards, private bank credit cards and other products. At the same time, according to the needs of different market segments, we have cooperated with industry leaders in the aviation industry, hotel industry, department store industry, communications industry, etc. on many co-branded card products. There are more Pudong Development Bank credit cards, and cardholders can choose one of them according to their needs.
Advantages and Disadvantages of Shanghai Pudong Development Bank Credit Card
The advantage of Shanghai Pudong Development Bank Credit Card is that you can pay in installments if you spend more than 500 yuan, and there will be SMS reminders for any consumption. You don’t need to exchange U.S. dollars to spend when you go abroad. You can directly use U.S. dollar cards to make purchases. In addition, not having a credit card abroad is not only troublesome, but using cash is often regarded as alien (the lifestyles of China and the West are very different). The gold card can enjoy the special merchant services of "Citibank CITIBANK" overseas; it can print photos and give gifts of higher value at events, etc.
The disadvantage is that the cash withdrawal fee is too high. Regular/gold cards require an annual consumption of 2,000/5,000 yuan to be exempted from annual fees; there are few outlets; and the application threshold is high.
Something to say: I have always thought that Shanghai Pudong Development Bank credit card is a high-end and rich-style credit card! There are a lot of special discounts and activities, which I personally think are pretty good. But you must also be able to bear its shortcomings, and it is best to truly meet your needs.
How many types of Shanghai Pudong Development Bank credit cards are there?
There are seven types of Shanghai Pudong Development Bank credit cards, which are mainly divided into standard credit cards, functional credit cards, lifestyle themed credit cards, business travel credit cards, and city travel credit cards. Class credit card, department store commercial credit card, innovative payment credit card.
Each category has all the basic functions of a general credit card, including: global functions that allow you to spend money and withdraw cash at home and abroad; you can spend first and repay later, and you can repay interest-free for up to 50 days. repayment period; revolving credit function that can be recycled and controlled freely; supplementary card function that can be shared with family members.
Pudong Development Credit Card’s security measures for credit card use involve all aspects before, during and after the event. It has designed six layers of protection measures and has a unique 24-hour anti-fraud function, which can detect suspicious Provide timely early warnings for transactions around the clock and take precautions in advance.
If you want to apply for a Pudong Development Bank credit card, you can get the application form by calling the application hotline to get the application form, apply for a credit card online, and get it at any Shanghai Pudong Development Bank branch.
Users must fill in relevant personal information on the application form. After confirming that the filled-in information is correct, sign the user’s real name in the signature column and attach the required documents according to the prompts on the application form. If the user chooses to fill in online For the complete application form, please confirm "Submit" and "Print" as prompted, so that you can apply.
That’s it for the introduction of credit cards issued by Shanghai Pudong Development Bank.