Card types of Pudong Development Bank credit cards

Pudong Development Bank credit cards are mainly divided into standard credit cards, functional credit cards, life-themed credit cards, game cards, college student cards, business travel cards, department store commercial cards, Innovative payment cards and several other large types. Each of these major types contains multiple smaller types of credit cards.

Standard Credit Card

1. Pufa Dream Credit Card with optional card organization, personalized card surface, free choice of card surface material, and free combination of exclusive benefits;

< p>2. Enjoy the Visa Platinum Card annual fee discounts, the 24-hour Platinum Assistant hotline, waiting around the clock, and with one card in hand, you can enjoy the Visa Platinum Card simple version/standard version with extraordinary Platinum privileges such as travel, food, accommodation, etc. .

Functional credit card

1. Innovative financial management, increased profits, flexible repayment, control at your heart, platinum exaltation, and exclusive service Pudong Development Geely Platinum Credit Card;

2. It is a Shanghai shopping-themed credit card with no annual fee, electronic cash small-amount payment function, multiple merchant discounts, and a three-in-one Shanghai shopping-themed credit card with magnetic stripe, contact chip and contactless chip.

Lifestyle themed credit card

1. Redeem 1 point for a Ning Zetao pillow, enjoy 5 times the points for dining, shopping and entertainment. Receive an exclusive lucky bag on your birthday. Ning Zetao gets even more for his birthday. Pudong Development Aining Card (UnionPay version) with a maximum credit of 230 yuan, a maximum insured amount of 50,000 women's care fund, double points for consumption on specific holidays, and exclusive platinum discounts from the card organization;

2. Year exemption For those who have graduated from a full-time college or above and are under the age of 40 (inclusive), they can enjoy exclusive dream money and a 30% discount on the handling fee of the Shanghai Pudong Development Bank Youth Credit Card.

Game Card

1. If you have a new account and activate the card, you will get 20 yuan in credit. If you spend 3 times with the card at 188, you will get 35 yuan in credit. The game card surface can be customized. , Tiantianai Elimination Credit Card with no annual fee;

2. Get the latest game props when you apply for the card, powerful hero fragments when you spend with the card, game card faces can be made, and the exclusive My Name is MT2 commemorative credit card for loyal fans .

College student card

With no annual fee, it is tailor-made for full-time college students. It is also equipped with a credit growth plan, accumulated points for overpayment consumption, universal gold and free procedures. The fee is only 30% off, cash can be withdrawn freely, and there is no handling fee for the youth card for college students.

Business Travel Card

1. No annual fee, accelerated accumulation of Priority Club Rewards points for daily consumption, double points for consumption at hotels under the InterContinental Hotels Group, and discounts for hotel dining consumption in hotels under the InterContinental Hotels Group in China Discounted Priority Club·Public Development Co-branded Credit Card;

2. Quickly accumulate points, more flight rights, comprehensive protection plan, and enjoy rich privileges. If two people travel together, one person can purchase the Pudong Development Co-branded Credit Card for free.

Extended from information:

Pudong Development Credit Card has all the basic functions of a general credit card, including: it can be spent at more than 20 million merchants at home and abroad and withdrawn at 840,000 ATMs The global function of cash; the ability to consume first and repay later with an interest-free repayment period of up to 50 days; the revolving credit function that can be recycled and controlled freely; and the 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, including the first free text messages, instant messages, and photos launched in China. Card, priority dispute processing and other security +++, and has a unique 24-hour anti-fraud function, which can provide timely warnings for suspicious transactions around the clock and take preventive measures in advance.

Baidu Encyclopedia - Shanghai Pudong Development Bank Credit Card

What is the credit card information

1. Front of the credit card

①Name of the issuing bank: Indicates the As for the issuing bank to which the card belongs, currently in addition to 17 national banks in China, regional banks and foreign banks also have the conditions to issue cards.

②Card BIN code: The first six digits of the bank card++ are the BIN number (bank identification code), which is applied by the bank card organization to ISO (International Organization for Standardization) and assigned to the bank card organization.

The card organization corresponding to the BIN number:

The one starting with "62" is China UnionPay, the one starting with ++16

The one starting with "4" is VISA, ++16 bits

Things starting with "5" are MasterCard, ++16 bits

Things starting with "35" are Japanese JCB, ++16 bits

Those starting with "34/37" are American Express. ++15th digit

Those starting with “30/36” are Diners. ++15 digits

So in many promotions launched by UnionPay, bank cards starting with “62” will be required.

③Expiration date: The validity period is an important part of the cardholder's identity verification when activating a credit card, shopping online, and other off-site operations.

Generally speaking, only the expiration date, month/year will be printed on the face of the credit card. If the cardholder does not go to the designated outlet to cancel the card before the expiration date, the bank will send a new card based on the cardholder's credit limit, ++ remains unchanged for the convenience of the cardholder.

④Cardholder name: The credit card holder’s name must be spelled in all capital letters. Some credit cards will also indicate the cardholder’s gender, such as MR.XXXX. The cardholder name is also used for identity verification when making purchases.

⑤Card level: The card level of each card organization is slightly different:

General card: It is a basic payment product. Card face colors will not be gold, platinum or black. There is generally no annual fee.

Gold card: It is a relatively high-end product among bank cards. The base color of gold card card surface is generally metallic yellow. The English word "Gold" will be printed on the upper right corner of the card. Generally, the annual fee can be offset by the number of purchases.

Platinum Card: A high-end card with more value-added service functions than the Gold Card. Common services include airport VIP lounges, golf services, roadside assistance, appointment registration, etc. Platinum cards generally use metallic white gold as the base color of the card, and the English word "Platinum" is printed on the card. Generally, the annual fee cannot be reduced or reduced. Some platinum cards can reduce the annual fee through the number/amount of purchases, but some value-added services such as golf will also be canceled accordingly.

Diamond Card: It is the highest level bank card and can provide top value-added services to cardholders. For example, distinguished services such as airport VIP boarding, high-end hotel accommodation upgrades, free physical examinations, and personal butlers. Generally, metallic black is used as the base color of the card surface, and diamond elements are embedded in the card surface design, with the English word "Diamond" printed on the card. The annual fee is non-deductible and ranges from several thousand yuan to tens of thousands of yuan.

⑥Card organization logo: The card organization is a specialized agency responsible for building and maintaining the bank card inter-bank network and providing information transfer and fund settlement services.

At present, the world's major card organizations include: China UnionPay, visa, MasterCard, American Express, Discover, JCB, Diners Club, etc.

⑦Quick Pass logo: UnionPay contactless product logo. As long as there is this logo on the card, you can spend the card on the machine with the logo.

2. The back of the credit card

① Anti-counterfeiting mark: Domestic bank cards mainly use the "UnionPay" holographic anti-counterfeiting mark as the main mark. The main scene of the "UnionPay" holographic anti-counterfeiting logo is the Temple of Heaven pattern, and the background is the two-color Chinese characters "Bank Card Union" arranged horizontally.

② Electronic cash identification: UPcash is an IC card transaction identification defined by UnionPay for offline small-amount payments. According to the regulations of the People's Bank of China, the upper limit of electronic cash accounts is 1,000 yuan, and the loss cannot be reported at present.

③Signature strip: The signature strip is where the cardholder reserves his or her signature. In the event of card theft, if the transaction method set by the cardholder is "signature" and the signature on the signature strip is inconsistent with the signature on the purchase form, the cardholder can apply to recover the loss.

If the transaction method set is "signature + password" and the password is leaked, even if the signature does not match, the cardholder must bear the loss of theft.

④Customer service phone number: The customer service phone number of the bank to which the card belongs will be filled in here. Cardholders can call this number for business consultation and related consultations.

⑤CVV2 code: CVV2 is a credit card security code. It is a security code for credit card activation or online transactions.

It is usually a 3 or 4-digit number printed on the credit card, and the printing location will be different for different types of cards.

It is often used to prevent credit card fraud by verifying that the payer owned the credit card at the time of the transaction.

The UnionPay standard card organized by UnionPay is called CVN2, the VISA card is called CVV2, the MasterCard card is called CVC2, and the American Express card is called CSC2.

⑥Chip/magnetic stripe: The bank cards currently in circulation on the market are mainly divided into IC cards (chip cards), magnetic stripe cards, and magnetic stripe chip composite cards.

IC cards have a chip embedded; magnetic stripe cards have a magnetic stripe loaded on the upper back of the bank card; composite cards are cards with both a chip embedded and a magnetic stripe loaded.

How long does it take to produce a credit card

It usually takes 7-15 days. After passing all the reviews, the card will be produced within 2 working days and then sent by registered mail or express delivery according to the billing address. Generally, the delivery time is within 15 days for registered mail and 10 days for express delivery.

The general process for reviewing credit cards:

1. Review the submitted materials: copy of identity document, original work certificate, original salary and income certificate, whether the application form is complete, if any If it is missing, please remind to add;

2. Enter the credit reporting stage: verify whether the customer’s identity information is consistent with the ID card information database, and query the personal credit reporting system;

3. Telephone verification: call The applicant and his/her unit shall verify that his/her information and unit information are true and reliable;

4. After passing the review, the credit card will be sent;

5. The card will be sent by registered mail by default. For shipping, if you need to specify other express delivery, you need to contact the credit card center before issuing the card and make up the difference in express delivery price; if it does not go through, you will be notified by phone or text message.

Credit card is a non-cash payment method and a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.

Credit cards are issued by commercial banks to individuals and organizations. They can use them to shop and consume with specially appointed organizations and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a card with the card issuing number printed on the front. Cards with bank name, validity period, number, cardholder name, etc., and a magnetic stripe and signature strip on the back.

A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), join VISA, MASTER Wait for international credit card organizations to make it universally applicable.

What does credit card information mean?

Credit card information generally refers to the information stated on the credit card. The front of the card includes the name of the card issuer, ++, effective date, cardholder name, card level, card organization logo, etc., and the back includes anti-counterfeiting logo, electronic cash logo, customer service phone number, CVV2 code, security code, etc. If the platform requires input of card information during use, it generally refers to ++ and security code.

Contents on the front of the credit card:

(1) Name and logo of the issuing bank

(2) Card type and picture information of CO brand card

(3) Credit++

(4) UnionPay logo

(5) Pinyin of cardholder’s name

(6) Credit card validity period

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(7) Credit card special mark or anti-counterfeiting mark;

(8) Issuing bank code of the issuing bank (or company)

One of the important information on the card surface : Anti-counterfeiting code, the three digits following the last four digits of ++ are used for security authentication and are as important as the credit card password. Some website/telephone transactions do not require a password. You only need to provide the account number, validity period and security code to complete.

In addition, the security code will also be used for key operations such as card opening and activation, so cardholders must not disclose the core information on the card to others at will. The second important information on the card: Credit++ Credit card++ is very important data, including the card issuing bank number and cardholder information. Don't let it get out

The third important information about the card: the validity period of the credit card++ Below is the validity period of the credit card, which is usually 3 or 5 years and cannot be changed. The validity period format is mm/yy (month/year).

For example, 08/18 means your credit card is valid for August 2018. An expiry date is an alternative form of verification in addition to a password and is sometimes used for certain transactions such as online/telephone payments.

Important information on the card 4: Signature Our names are on the front of the credit card, but the signature in the signature box on the back is more important. In daily life, we often ignore the signature on the back. In fact, the return signature is a guarantee of consumer safety and is as important as the password. First of all, overseas card consumption does not require password verification and is entirely based on signatures. Therefore, if the cardholder does not sign back, normal consumption abroad will be affected. At the same time, when swiping a card for consumption, if the cashier finds that the signature is inconsistent with the signature on the credit card when checking the signature, he has the right to cancel the consumption and refuse to sell the goods. It is worth noting that the credit card signature cannot be tampered with, otherwise the signature will be invalid. If the signature is wrong, it is best to apply for a new card.

What kind of cards does a credit card include?

Credit cards refer to bank cards that can be overdrafted in advance. There are many types of such cards. If divided according to some standards, credit cards can include a lot of Cards, such as main card and supplementary card, foreign currency card and UnionPay card, etc. Let’s learn about them together.

There are many types of credit cards. Here, credit cards are roughly divided into these types of cards according to 4 standards:

1. According to the credit card issuing organization, it can be divided into international cards and UnionPay cards. Cards

1 International cards: International cards generally have five major organizations, such as VISA, MasterCard, JBC, etc. These cards can be used unimpeded in institutions and outlets around the world that can accept credit cards of this brand.

2 UnionPay card: UnionPay card refers to a credit card with the UnionPay logo, which is generally used in China. Globally, it can only be swiped at POS machines with the UnionPay logo or withdraw cash from ATMs;

2. According to the card level, it can be divided into ordinary credit cards and high-end credit cards

1 Ordinary credit cards: generally include regular cards and gold cards, which are relatively easy to apply for;

2 High-end credit cards Credit cards: including platinum cards, unlimited cards, diamond cards, etc., the qualification requirements for applicants are relatively high;

3. According to the affiliation, they can be divided into main cards and supplementary cards

< p>1 Main card: The main card is a credit card issued by the card issuer to individuals who have reached a certain age, have full capacity for civil conduct, and have stable work and income.

2 Supplementary card: Supplementary card refers to a credit card issued by the card issuer when the principal cardholder applies for his or her parents, spouse, children or relatives and friends who have full capacity for civil conduct.

4. According to the different objects of card issuance, it can be divided into corporate cards and personal cards

1 Corporate cards: also called business cards, are issued by card issuers with business services as the core. The credit card is specially designed to meet the needs of the company, providing differentiated employee credit lines, comprehensive statements, business travel preferential plans and other professional services to prepare company employees for official business travel consumption, business entertainment and other expenses.

2 Personal card: It is a credit card issued by the card issuer to individuals with full capacity for civil conduct and stable work and income, which is different from company cards.

This is the end of the introduction about credit cards and how to deal with abnormal credit card status. Have you found the information you need?