1. Can Pudong Development Credit Card Bill Installment be repaid in advance? You can repay the Shanghai Pudong Development Credit Card bill installment in advance, but you cannot repay the credit card directly, because if the repayment amount exceeds the current bill amount, it will be regarded as an overpayment by the bank and will not be directly deducted from your arrears. Yes, you still need to repay the credit card on the next billing date, and you will be charged for overpayment withdrawals. If you have needs for early repayment, be sure to call the 24-hour hotline 400-820-8788 on the back of the Pudong Development Credit Card to apply for early termination of bill installment. After the bank approves the review, it will transfer your remaining unpaid principal and remaining installments. The handling fee is calculated and included in the minimum repayment amount of the next credit card bill. You only need to repay according to the bill. After the repayment is successful, your credit card bill installment will be completely terminated.
2. Is it cost-effective to pay off the Shanghai Pudong Development Credit Card bill in installments in advance? Regarding this issue, many cardholders will say that it is not cost-effective. Isn’t it just a matter of paying back the remaining principal for early repayment? The remaining handling fees should not be paid. But this is not the case. What I want to tell you here is that it is not cost-effective to repay the Shanghai Pudong Development Credit Card in advance, because the handling fee for the remaining outstanding installments cannot be reduced or reduced. There are two situations: 1. For the handling fee installment If it is collected, the remaining principal and handling fees of each installment must be paid in one lump sum for early repayment; 2. If the handling fee is collected in one go, the installment handling fees collected in the previous period will not be refunded. The above is the relevant introduction of "Can Pudong Development Bank Credit Card Bill be repaid in advance? Is it cost-effective to repay in advance?" All in all, it is possible to repay the bill installments of Pudong Development Bank Credit Card in advance, but you must call the Pudong Development Credit Card Service Hotline to request the credit card center to terminate the bill installments in advance. It should be noted that the handling fee for the remaining unpaid installments of Shanghai Pudong Development Credit Card bill repayment in installments will not be reduced or reduced. This shows that it is not very cost-effective to repay the bill in installments in advance. It is recommended that you decide whether to repay in advance according to your actual needs. .