How much is the annual fee for Pufa Check Credit Card?

Friends who have used credit cards know that the annual fee is the first course of bank charges. Only on the basis of this course can you enjoy Go to the various services the bank provides you. However, different banks have different charging standards. Here we take Pudong Development Bank check credit card as an example to introduce it to you.

Credit cards issued by banks generally have annual fees (see: Do all credit cards have annual fees), and different levels of credit cards have different annual fees. The higher the credit card level, the higher the annual fee. expensive. Credit card annual fees are mainly divided into four types: rigid annual fees, non-rigid annual fees, conditional annual fee exemptions, and unconditional annual fee exemptions. The details are as follows:

1. Rigid annual fees: When opening a card, you need to pay annual fees. There is no annual fee exemption, and some cards will charge annual fees even if they are not activated, which generally refers to high-end cards.

2. Non-rigid annual fee: that is, it can be redeemed with points, or the annual fee can be reduced by swiping the card amount to a certain value;

3. Conditional annual fee exemption: difficulty in exempting the annual fee For credit cards with very low requirements, the annual fee is generally reduced based on the number of card swipes. If you do not swipe the card enough times, you can call customer service to ask if the annual fee can be waived by making additional swipes.

4. Unconditional annual fee exemption: In order to issue more cards, some banks often offer credit cards with unconditional annual fee exemption within the validity period. Even if you don't open the card, you don't have to worry about annual fees.

Although the Shanghai Pudong Development Bank Check Credit Card introduced today is a UnionPay platinum card, it is exactly the kind with an unconditional annual fee exemption. That is to say, even if you apply for this platinum card, whether it is activated or not, No annual fee will be deducted whether you use it or not.

In addition to the unconditional annual fee exemption, the benefits of this check card are also remarkable, as follows:

1. Core benefits:

Do The card will give you a 1,000 yuan Secoo Mall coupon

No handling fee for installments 3, 6, and 12

Exclusive 100 yuan card credit for installments

The highest shopping enjoyment 3 discounts

2. Exclusive rights

Enjoy 5 rebates when you enjoy overseas shopping

Get global WIFI for free

Enjoy with Starwood 20% off discount

Afternoon tea at five-star hotel "50% off for two people traveling together"

Comprehensive insurance for online shopping

What about Shanghai Pudong Development Bank credit card? What are the pros and cons?

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 processing and other security features, 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.

What is the general limit of Shanghai Pudong Development Bank’s check credit card?

Shanghai Pudong Development Bank has released a new card. It is the Pudong Development Bank’s check credit card, in order to give yourself a check with an attitude towards life. The promotional slogan attracted the attention of many cardholders. So, what is the limit of this bank check credit card? Let’s find out together below.

The Pudong Development Bank Check Credit Card is a co-branded card created by Shanghai Pudong Development Bank Credit Card and Secoo. ***There are two options: UnionPay version and MasterCard version.

Applying a card now can get you super value benefits, such as a 1,000-yuan Secoo Mall coupon, 0 handling fees for 3, 6, and 12 installments at Secoo Mall, an exclusive 100-yuan card credit in installments, and the highest shopping enjoyment. 3 offers and more.

So, how much credit can you get?

The Shanghai Pudong Development Bank’s credit card limit is a comprehensive score based on the materials provided by the applicant. If the system score meets the card issuance conditions, the card can be issued. The approved card limit is also determined by the score.

In addition, the credit card limit of Pudong Development Bank is also related to the card level. Credit card limits of different levels are different. The higher the level, the higher the limit. Generally speaking, the limit of a regular card is less than 10,000 yuan, the limit of a gold card is between 10,000 yuan and 50,000 yuan, and the limit of a platinum card is more than 50,000 yuan.

This Shanghai Pudong Development Bank Check Credit Card is a UnionPay platinum card, so its minimum limit is 50,000 yuan, and the maximum limit is unlimited. The specific limit is determined based on the applicant's qualifications and each individual's situation. Different, the approved credit limit is also the same. The better the qualification, the higher the approved credit limit.

It should be reminded that the limit of any credit card will not be fixed. The bank will decide to increase or decrease the limit based on the cardholder’s card usage, so if you get a low-limit credit card Friends, don’t be discouraged. As long as you use your card well, sooner or later you will turn your credit card into a large-value card. (For details on how to do this, please refer to

)

Is the quota guaranteed?

If the cardholder has multiple Pudong Development Bank credit cards, then multiple credit cards under the same account will all share a limit, but this limit sharing is not cumulative. When any card and account After spending a certain amount, the available credit limits of these cards and accounts will be reduced accordingly.

For example, your Kuo check credit card has a limit of 50,000 yuan, while another Shanghai Pudong Development Bank credit card only has a limit of 15,000 yuan. When the check card reaches 50,000 yuan, the other card will be useless; conversely, If another card uses 15,000 yuan, your check card can continue to use 35,000 yuan.

In short, the total limit of the *** depends on the card with the higher limit.

The Shanghai Pudong Development Bank Check Credit Card Application Requirements/How to Apply

The Shanghai Pudong Development Bank has launched a credit card that claims to give you a check with an attitude towards life. The benefits are quite good and attract a lot of people. Card friends pay attention. So, how to apply for this bank check credit card? What about the application requirements? Let’s find out together below.

The Pudong Development Bank Check Credit Card is a co-branded card created by Shanghai Pudong Development Bank Credit Card and Secoo. ***There are two options: UnionPay version and MasterCard version. After applying for the card and activating it, you can enjoy multiple benefits, such as giving 1,000 yuan to Secoo. Mall coupons, Secoo Mall 3, 6, 12 installments with no handling fee, etc.

Requirements for applying for a card

1. Aged 18 to 60;

2. Have a stable job and source of income, and have the ability to repay;

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3. No bad credit.

These three points are the basic requirements for applying for a credit card. However, some friends have no job, no RV, and no savings, but they also want to apply for this bank check credit card. So what should they do? Here are two methods:

1. No job but have other cards - use the card to apply for the card

If the cardholder had a credit card earlier, you may wish to use this card Use it as proof of financial resources to apply for a Pudong Development Bank check credit card. This method is not only convenient and quick to apply for a card, but also has a fast card approval speed. The limit will also refer to the limit of the existing card, or may be a little higher than the limit of the existing card.

Materials to submit: Proof of identity of the applicant, original credit card from another bank

2. If you are not working but your relative has a primary card - apply for an additional card

If this is not possible , ask your immediate family members, such as parents, children or spouse, to apply for this bank check credit card, and then ask them to apply for an additional card for you.

However, the supplementary card and the principal card share a limit, and the principal cardholder can specify the supplementary card limit. If the supplementary card debt is not repaid, resulting in overdue payment, it will affect the principal cardholder's credit.

Submit materials: If the principal cardholder applies, the valid identity certificate of the supplementary card applicant must be provided; if the supplementary cardholder applies, the applicant’s identity certificate must be provided and the principal cardholder in the application form must be completed. Information about card and supplementary card claimants.

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.

Pudong Development Bank Credit Card provides mobile service platforms such as Pudong Xiben APP

How to use Pudong Development Bank Check Credit Card at the most cost-effective way

If you want to give yourself a check with an attitude towards life, you may wish to apply for it. This Pufa Check Credit Card allows you to enjoy very good benefits, and you can save a lot of money when using it for shopping or overseas shopping. So, what is the most cost-effective way to use this credit card? Let me introduce.

The Pudong Development Bank Check Credit Card is a co-branded card created by Shanghai Pudong Development Bank Credit Card and Secoo. ***There are two options: UnionPay version and MasterCard version. After applying for the card, you can enjoy multiple benefits, such as Get a 1,000-yuan Secoo Mall coupon, and 3, 6, and 12 installments of Secoo Mall with no handling fee, etc.

As for how to use the card most cost-effectively, you must first use the card based on its preferential benefits, and secondly. It is to master the time of swiping the card so that you can enjoy a longer interest-free period. For specific methods, please refer to the following:

1. Swipe the card according to the preferential benefits

You should pay attention to this, because this There are two versions of credit cards. The UnionPay version is naturally used domestically, and the MasterCard version is good for overseas shopping.

1 UnionPay version:

The most cost-effective way is to use it at Secoo. If you shop online on the mall APP, you can apply for installment business in 3, 6, 9, and 12 installments with no handling fee. If the single installment amount reaches 5,000 yuan before June 30, you can get 100 yuan in credit card credit.

In addition, if you re-instalment your purchases on the Secoo Mall app on the 20th of each month, you can enjoy product price discounts depending on the number of installments. Discounts are divided into 3 and 6 installments, discounts are divided into 12 installments, and discounts are divided into 6 installments during other time periods. MasterCard Edition

You can enjoy 5 long-term rebate rewards when shopping on Leyou.com; book a stay at Starwood hotels and resorts in Asia Pacific for two nights and pay with MasterCard to enjoy a 20% discount ; When dining at afternoon tea restaurants in designated five-star hotels across the country, swipe your card to complete the reservation and payment, and you can receive a 50% discount for two people traveling together.

2. The longest interest-free period for purchases on the billing day

The longest interest-free period for Pufa Ku check credit card is 50 days, and the shortest is 20 days. The most cost-effective way to spend is, Of course, you need to grasp the time of credit card swiping

Usually, the interest-free period of a credit card is affected by three factors, one is the card swiping date, the other is the statement date, and the other is the final repayment date.

If you swipe your card on the day after the bill date, it is the most cost-effective, because you can enjoy the longest 50-day interest-free period, while if you swipe your card on the bill date, you can only enjoy 20 days of interest-free period. , seeing this, everyone understands.

Finally, I would like to remind everyone that although you can shop as much as you want with a Pudong Development Bank check credit card, you still have to exercise restraint when using it. After all, the overdraft money will have to be paid back sooner or later. For shoppers, the most cost-effective way is not to use cards.

That’s all for the introduction of Pufa Check Credit Card.