2. The credit card in the red envelope is valid for 60 days from the date when the user opens the red envelope. Credit card payment must be used within the validity period, and if there is any surplus after the validity period, it will be automatically invalidated.

3. The credit card payment will be deducted from the transaction principal on the second working day after the newly added related party transaction is recorded, and the cardholder still needs to repay the principal that has not been deducted.

4. If the cardholder has multiple credit card repayments under the same Pudong Development Credit Card, the multiple credit card repayments can be used to deduct the transaction principal of the same transaction, and the credit card with shorter validity period is preferred. Credit card payment shall not be withdrawn or transferred, and it will not affect the credit limit, available amount and account balance of the card. It is only used to deduct the transaction principal (consumption deduction only, excluding cash withdrawal and installment transactions), and may not be used to deduct bank fees (including but not limited to interest, fees, late fees, etc.). ) and the amount due.

5. For detailed information about credit card balance and deduction, please visit the online account service on the website of Pudong Credit Card Center.