The detailed rules for collecting the annual fee of Pudong Development Credit Card are as follows: Puka: main card 180 yuan/year, and auxiliary card 90 yuan/year; Gold card: main card 360 yuan/year, supplementary card 180 yuan/year; Platinum card: 3,600 yuan/year for the main card and 1.800 yuan/year for the auxiliary card (the first two cards are free of annual fees); Platinum Card Standard Edition: the main card is 680 yuan/year, and the auxiliary card is free; Wow series cards: free of annual fee. The annual fee policy of Shanghai Pudong Development Bank's credit card is to waive the annual fee for the first year, and the annual fee for ordinary cards with a total of 2,000 points in the first year (with a total consumption of 2,000 yuan and a total of 5,000 points above 99 yuan for the first card) is exempted from the annual fee for the next year. Gold card holders who spend more than 5,000 yuan by swiping their cards within 12 months after changing their cards in the following year may be exempted from paying the annual fee for the following year.

1. The universal fund and withdrawal amount of Shanghai Pudong Development Bank mostly depend on the star diamond grade and credit score, just like ICBC. The high-quality customers in the eyes of Shanghai Pudong Development Bank are those with high scores. For example, Platinum Star Diamond: Shanghai Pudong Development Company's star diamond rating system is very simple. The consumption of 2500 yuan is equivalent to 1 card star, and the installment principal 100 yuan is equivalent to 1 card star. The first time you use the debit card of Shanghai Pudong Development Bank, you can get 1 card star if you pay more than 5,000 yuan per month. After the temporary quota is cancelled, it is easier for Pudong to recover the quota. After the temporary interest rate is raised, it is generally raised once after 6 months. Generally, it takes 3 months to increase the temporary quota for the issuance of Puka, but when repayment is required, the temporary quota must be fully paid off. In this way, a fixed amount can be withdrawn, and the next temporary withdrawal can be made after 3 months.

2. General usage of Shanghai Pudong Development Bank credit card: deposit is unprofitable and withdrawal charges. There is no interest on credit card deposits, but there is a charge for withdrawals. There is a charge not only for overdrafts, but also for overpayments. The handling fee ranges from 1% to 3% of the withdrawal amount. Overdraft consumption is not equal to overdraft cash withdrawal. Overdraft cash withdrawal is not interest-free, and it still generates 5/ 10000 interest every day. If you have a lot of money on hand, don't deposit it on a credit card, because one day you want to withdraw cash, the bank will charge you a withdrawal fee, and the interest is much higher than buying things directly with a credit card.

You can swipe your card, but don't treat your credit card as a debit card. The money in the debit card is your own money, which you deposited in the bank, while the money in the credit card is not your money at all, but the money in the bank. There is also an annual fee for inactive cards. Many banks require them to charge an annual fee, even if they have not activated their cards. Some banks even require credit cards to be swiped within two months from the date of issuance to avoid the first annual fee. Please note that this is the date when the card was approved, not the date when the customer activated the card. The problem is that the customer didn't know the approval date until he called. Expert advice: don't apply for a credit card easily, because there are small gifts, don't use a credit card. If not, be sure to find out how to collect the annual fee and avoid "opening the card". So the annual credit card fee is collected at the end of the year when the bill is collected.