What are the Shanghai Pudong Development Bank credit cards with high credit limits? Popular high-end cards are all here

In the minds of most card lovers, the higher the credit limit, the better. When paying for a bill, you will not encounter the dilemma of insufficient credit limit and failure to swipe the card. More importantly, a high credit limit allows you to Cardholders can better arrange their consumption expenditures reasonably. For those who want a high-limit credit card, today I will introduce to you which Shanghai Pudong Development Bank credit cards have high credit limits.

First of all, it needs to be made clear that Shanghai Pudong Development Bank is known as the "Monkey Bank". We cannot figure out many situations in terms of card withdrawal rate and card withdrawal limit. The amount of the credit limit is high or low, depending on the bank's final decision. subject to the credit granted.

If you want to apply for a credit card with a high credit limit from Shanghai Pudong Development Bank, your own credit conditions are very important, and it is also important to choose a card based on your own conditions.

Introducing the following Shanghai Pudong Development Bank credit cards with high limits, Excellence Platinum is waiting for you:

1. MasterCard Priceless World Card

This is Pudong Development Bank Many people are attracted by the bank's high-end card, which offers a cumulative cash rebate of up to 27%. As a world card, the level is higher than that of platinum card, and the limit is generally more than 50,000 yuan, but some cardholders have applied for a limit of only 20,000 or 30,000 yuan.

The Pudong Development MasterCard Priceless World Card has ultra-high cash back benefits

2. American Express Platinum Credit Card (AE Platinum Card)

One card can travel the world Platinum credit card, unlimited VIP lounge privileges throughout the year, and free airport transfers. If you have a high-end credit card from another bank and the limit is more than 100,000 yuan (inclusive), then if you apply for this card through quick application, the card withdrawal rate and the card withdrawal limit will not be a problem, and the limit will not be Lose to this 100,000.

After checking out the 2018 benefits of Shanghai Pudong Development Bank ae Platinum Card, you will never want to miss it

3. Shanghai Pudong Development Visa Unlimited Credit Card

This card has a higher level than the Platinum Card. The credit limit will also be more generous than the World Card. Several million is a problem, but the application conditions are correspondingly much more stringent. If you have a high-value credit card with another bank and a high debt ratio, the card will be easily rejected; if your annual income is less than 500,000 yuan or your fixed assets in Pudong Development Bank are less than 1 million yuan, you will have no hope of applying for a card.

What are the Shanghai Pudong Development Bank credit cards with high credit limits? Does the above introduction satisfy you? As a reminder, when applying for a credit card, you must choose according to your needs. It is unwise to blindly pursue a high limit. Just be able to basically meet your overdraft needs, otherwise it will easily bring repayment pressure to yourself.

Which Shanghai Pudong Development Bank credit card has the highest credit limit?

The Shanghai Pudong Development Bank Platinum Card has the highest credit limit. The credit card limits of various types of credit cards are as follows:

1. Regular card limit: 1000-10000.

2. Gold card limit: 10,000-50,000.

3. Platinum card limit: more than 50,000 yuan.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Development History:

Credit card, also known as credit card, is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card. 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.

In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada, and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95% of countries around the world. In the 1980s, with the reform and opening up and the development of the market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds.

After experiencing the financial crisis and the ups and downs of the domestic economy, China's credit card market rebounded in 2010. By the end of 2010, the total number of domestic credit cards issued had exceeded 200 million. In 2010, the national credit card inter-bank transaction amount reached 5.11 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of consumer goods continues to increase.

China’s credit card market is still one of the fastest-growing product lines in China’s personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, China’s credit card market will continue to grow in the next 10 years. The average annual growth rate of credit card issuance will remain at around 14%, and profitability will also tend to improve. Qianzhan.com predicts that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.

Which Shanghai Pudong Development Bank credit card has the highest credit limit

The Platinum Card has the highest limit among Shanghai Pudong Development Bank credit cards, generally ranging from tens of thousands to hundreds of thousands, so you want to apply for a higher limit For bank cards, you can try to apply for a platinum card.

The Pudong Development Bank 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.

Brand introduction:

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 agency established by Shanghai Pudong Development Bank and 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 The airline industry, hotel industry, department store industry, communications industry, Internet platform and other industries have cooperated to launch co-branded theme credit card products; and jointly issued high-end card products with rich rights and interests with VISA, American Express, MasterCard International and other domestic and foreign card organizations.

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

Product introduction:

Dream Card:

Pudong Development Dream Card allows consumers to choose products. and rights. Customers can customize the card according to their needs, including selecting the card material, card surface pattern, exclusive rights, and card organization. The bank will then make the "I" series of credit cards based on the customized information.

Theme Card

On January 3, 2019, Shanghai Pudong Development Bank launched the "I" male-themed credit card, including "Feifan", "Youwei" and "Alien Wave" products for male users. The card benefits include travel, hotel, gas, points, etc. Male users can choose the benefits they need through the benefit customization platform

Main features:

Pre-depositing cash is not encouraged. Spend first and repay later, enjoy an interest-free repayment period, and be able to repay in installments (with a minimum repayment amount). Join international credit card organizations such as VISA, MasterCard, and JCB for global acceptance.

This is the current development. One of the fastest financial services is an electronic currency that can replace traditional cash circulation to a certain extent.

It has both payment and credit functions. Cardholders can use it to purchase goods or services. To enjoy the service, you can also obtain a certain loan from the card issuer by using a credit card.

It is a high-tech product that integrates financial services and computer technology.

It can reduce the use of cash. .

It can provide settlement services, facilitate shopping and consumption, and enhance a sense of security.

It can simplify payment procedures and save social labor.

It can promote product sales. Social needs.

What is the general credit limit of Shanghai Pudong Development Bank?

The credit cards of Shanghai Pudong Development Bank can be roughly divided into three types: regular card, gold card and platinum card. The limit is 1,000-10,000, the gold card limit is 10,000-50,000, and the platinum card limit is more than 50,000 yuan. The specific amount is determined by the application materials.

Everyone knows that credit card limits are divided into high and low. What conditions determine the limit? This depends on the situation. We will explain it in three situations: first-time card application, repeated card application and daily limit increase.

1. Apply for a card for the first time

When applying for a card for the first time, there are two factors that affect the limit: card level and cardholder conditions.

Card level: The limit of regular card is generally less than 10,000 yuan, the limit of gold card is generally 10,000-100,000; the limit of platinum card is generally more than 50,000 yuan.

Cardholder conditions:

1. Personal income: job position, monthly income, and nature of the work unit.

2. Personal academic qualifications and professional titles: Higher academic qualifications and technical titles will increase your credit limit.

3. Family conditions: whether married and local.

4. Personal assets: Do you have personal assets such as houses, cars, bank deposits, etc.

5. Other credit cards and limit: If you have a credit card from another bank and the limit is higher, you can apply for a credit card with a higher limit. However, if you have too many credit cards, your application for other credit cards will be rejected.

2. Apply for a credit card again

For cardholders who apply for a credit card again, the bank will give them a refund based on the applicant’s income, credit cards that have been applied for by other banks, and their usage records. Out of credit limit. As long as the cardholder has no overdue repayment record and has a certain repayment ability, the bank will provide sufficient credit limit for the cardholder to use.

However, for some cardholders who have applied for credit cards multiple times and have overdue repayments on their credit cards or have maintained minimum repayments for a long time, banks will generally not approve or approve the cards in order to reduce risks. The card limit will be very low.

3. Daily limit increase

If a credit card needs to be raised during normal use, the bank’s approval basis is generally based on the cardholder’s card usage record: whether the number of credit card swipes is sufficient, daily limit increase, Whether the quota usage ratio is high enough, whether the loan can be repaid on time, etc.

If the cardholder has a good card usage record, the bank will generally accept the application and approve it. There are also some banks that do not allow applicants to apply on their own initiative, and the bank can only make the decision.

Although high-limit credit cards are good and can solve urgent needs, too high a limit can easily trigger your own desire to consume. When the time comes, you will easily become a card slave if you have too much credit card debt.

This is the end of the introduction about which Pudong Development Credit Card has the highest limit and which Pudong Development Card has the highest limit. I wonder if you found the information you need?