The client acts as an agent for Shanghai Pudong Development Bank’s overdue credit card business. In order to save bank staff the cost of collecting credit card debts, the bank entrusts a third-party agency to collect debts. It is a legally authorized agent bank. Therefore, the phone number given by the customer service when the Shanghai Pudong Development Credit Card is overdue is from the client because the client acts as the agent for the Shanghai Pudong Development Bank Overdue Credit Card. business. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.