The Pudong Development Bank reserve fund is not a revolving limit. The limit of Pudong Development Bank's reserve fund is independent of the fixed credit card limit and can meet the various consumption needs of credit card holders. After applying for Pudong Development Reserve Fund, you can choose the number of installments for repayment. However, the amount of the reserve fund will not be restored with repayment. If you need to use the reserve fund again, you need to apply to the bank again.

1. How to withdraw the reserve fund of Shanghai Pudong Development Bank:

1. You need to apply for the reserve fund of Shanghai Pudong Development Bank, and there are many channels. For example, you can follow the official WeChat account of "Shandong Pudong Development Bank Credit Card" and bind your credit card to apply. You can also call the customer service number of the Shanghai Pudong Development Bank Credit Card Center or download the "Puda Xiben" APP, register an account and bind your credit card to apply.

2. In addition, the reserve fund cannot be withdrawn, it can only be used purely for consumption. From the perspective of usage, you can simply understand it as a consumer financial product like Huabei and JD Baitiao. If you want to withdraw cash, you can consider Wanyongjin, another credit card installment product under Shanghai Pudong Development Bank, which allows you to withdraw money.

2. The interest on the Pudong Development Bank reserve fund is calculated as follows:

The Pudong Development Bank reserve fund has no interest, but installment fees will be charged. The rate for 3 periods is 0.90%, for 6 periods it is 0.83%, for 12 periods it is 0.79%, for 24 periods it is 0.81%, and for 36 periods it is 0.38%. In addition, if you want to repay the loan early, you need to pay the remaining principal and handling fees in each period in one lump sum.

In general, if it is only used for consumption, you can apply for it through the above channels. If you want to withdraw cash, you can try using Universal Gold. No matter which one you apply for, the bank will charge a certain installment fee, which needs to be clarified.

3. The dangers of credit card reserve funds

The convenient side of credit card reserve funds is that there will be an extra credit limit, and the installment repayment will not occupy the credit limit. However, the cost of using it at the same time is still very high. If the credit card reserve fund is used improperly, you will fall into a financial trap

Operating environment: (HUAWEI GRA-CL10, system 4.0.1) Puda Xiben version No. 8.3.1