How to cancel a Shanghai Pudong Development Bank credit card

Call the customer service number of Shanghai Pudong Development Bank, follow the phone prompts to transfer to the artificial voice service, and ask the salesperson to help you cancel the card. Or if there is no outstanding balance in the user's credit card, he or she can go to a bank branch to apply for it. If the credit card has not expired, the user can apply in advance and then go to a bank branch to cancel the account. Pudong Development Credit Card has all the basic functions of a general credit card, including the ability to use more than 20 million at home and abroad.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Application

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

How to cancel the Pudong Development Credit Card

If you no longer want to use the credit card, you need to cancel it. So, how to cancel the Pudong Development Credit Card? Let’s take a look at it below.

01

Go directly to the Shanghai Pudong Development Bank counter to cancel your credit card. However, there are relatively few branches of Shanghai Pudong Development Bank, so this method is suitable for people who live near Shanghai Pudong Development Bank.

02

Call Shanghai Pudong Development Bank directly and handle cancellation through telephone customer service staff. After getting through the manual customer service, you need to check the identity information. Only after the verification is correct can you handle the relevant business.

03

Before canceling a credit card, you need to pay off all the outstanding balances on the card. If you apply for installment payment, you need to settle it in advance and pay it off in full.

04

If you have a lot of credit card points in your credit card, it is recommended to redeem the points before canceling, because once canceled, the points inside cannot be used.

How to cancel a Shanghai Pudong Development Bank credit card?

1. Cancellation by phone

You can apply for card cancellation by calling the 24-hour customer service hotline 800-820-8788.

There must be no outstanding balance in the account when canceling the card, and to ensure the security of the account, the card must be with you when canceling the card over the phone.

2. Cancellation at the counter

If your Shanghai Pudong Development Bank credit card is lost, you can only cancel the card at the branch counter. If there are new accounts payable within 45 days (inclusive) of card cancellation, you will still be responsible for it. If there is no outstanding balance or over-deposit in the account 45 days after the card is canceled, the system will automatically cancel the account without any procedures.

Extended information

Conditions for Shanghai Pudong Development Bank credit card application:

1. Applicants must be over 18 years old (inclusive) and hold a mainland ID card. Have full capacity for civil conduct (if you apply for an additional card, you must be 13 years old or above (inclusive), but you must be related to the main cardholder);

2. Have a legal and stable source of income and solvency;

3. Good credit standing and no bad credit record on the credit report.

Everyone needs to note that the higher the credit card level you apply for, the more stringent the conditions will be, especially in terms of income.

If the customer’s annual after-tax income is more than 30,000 yuan (inclusive), they can apply for VISA new gold card, accelerated points gold card, Fortune Gold Card, travel gold card and co-branded card Card.

If the annual income after tax is more than 50,000 yuan (inclusive), you can apply for VISA Platinum Card Simple Edition, Accelerated Points Platinum Card and Co-branded Card Gold Card.

If the annual income after tax is more than 120,000 yuan (inclusive), you can apply for VISA Platinum Card Standard Edition, Premium Platinum Card and Co-branded Card Platinum Card.

How to cancel a Shanghai Pudong Development Bank credit card?

Just call Shanghai Pudong Development Bank’s official 24-hour customer service hotline 95528 to apply for cancellation.

According to the provisions of Article 6 of the "Shanghai Pudong Development Bank Credit Card (Personal Card) Agreement"

Termination of Credit Card

If Party B needs to terminate the credit card account , you can call Party A’s customer service hotline to apply for account cancellation. When applying for account cancellation, all outstanding amounts on Party B's credit card (including any transaction amount that has occurred but has not yet been debited to Party B's credit card account) will be deemed to be fully due, and Party B shall pay off the amount in one go.

If Party B fails to repay all overdraft principal, interest and related expenses in full, Party A has the right not to handle the account cancellation procedures. If Party B needs to terminate a card under his credit card account, he can call Party A's customer service hotline to apply for card cancellation.

Extended information:

Relevant provisions of the "Shanghai Pudong Development Bank Credit Card (Personal Card) Agreement"

Party A must follow the electronic cash account and credit card account Handle the account cancellation procedures for the two accounts separately in the order of priority. Party A should first cancel the electronic cash account, and then call the customer service of Party B’s Credit Card Center to cancel the credit card account. When canceling a co-branded card electronic cash account, you need to bring your valid ID and co-branded card to Party B's business outlets or designated China Mobile business outlets to complete the cancellation operation.

Party B has the right to terminate Party A's co-branded card, or suspend all rights of Party A to use the co-branded card or use specific services in accordance with national laws and regulations.

When cardholders terminate the use of their electronic cash accounts, they should go through the card cancellation procedures in accordance with the relevant regulations of the card-issuing bank. When the cardholder cancels the card, the card-issuing bank will return the electronic cash account balance to the card's credit account. If a new card has not been issued for one year after the expiration of the electronic cash composite credit card and the card cancellation procedure has not been completed, the electronic cash account balance will not be refunded.