1. If you use Pudong Development Bank’s universal money to pay back Pudong Development Bank’s credit card, it will definitely not work if the bank earns less interest; it will definitely not work if you use it for investment or buying a house. This is also not possible. For this profitable or high-risk investment, the debt ratio may increase and the repayment ability will be passively restricted. If the entire lending market is like this, the potential economic crisis will be great. Banks are also afraid that everyone will go bankrupt and not be able to collect principal and interest, or In the case of collection troubles, they were just lying down to make money, but now they are worried. We must not let people do this, and let you consume to promote the economy. If everyone has a limited debt ratio and is not afraid of serious personal bankruptcy, it will be relatively easy to collect principal and interest.
2. Even if you use it across banks, if you release funds in advance, when they want to check, you have to provide the consumption purpose and voucher. If it does not meet the requirements, their terms can be explained in it, and the user can be asked. The full one-time repayment includes the agreed interest, so they just want to reduce the risk and earn everyone's interest. If the risk is too high, they are afraid that users will have difficulties in repaying.
3. Shanghai Pudong Development Bank’s “Wanyongjin” personal credit business was first trialled in early 2007. It relied on credit cards and increased the cardholder’s cash withdrawal limit without occupying the credit limit. But it is also different from the pilot period. First, the interest rate is different. The one-year interest rate during the pilot period was about 12 to 14, and now it is 8. Secondly, other bank debit cards can also be applied for during the pilot period, but now it is only limited to Shanghai Pudong Development Bank. debit card.
4. The universal money cannot be withdrawn directly in cash, but must be transferred to the applicant's debit card first. It is essentially a credit loan. The credit card limit is approved by the credit card department, but the "universal gold" limit is not included in the credit limit. It exists in the form of a loan and is a credit limit issued based on the credit card. The review of the credit limit is generally determined by the credit department. The determination of the "universal gold" amount is suspected of exceeding authority.
5. How to apply for Universal Gold of Shanghai Pudong Development Bank:
1. Log in to the Shanghai Pudong Development Bank credit card website, select "Online Account Services - Installment Financial Management", and then click "Universal Gold" Just click "Apply" to apply; (computer model Huawei MateBook 14s browser Google Chrome version 94.0.4606.81 URL/)
2. Bind "Pudong Development Credit Card" WeChat, and then click "I want Universal" in Weijiayuan "Gold"; (Model Honor 50 version Magic UI 4.2; WeChat version Version 8.0.15)
3. Install the "SPD Bank Mobile APP" on your mobile phone and click "Universal Gold Application" on the credit card page. . (Model Honor 50 version Magic UI 4.2; Shanghai Pudong Development Bank APP version V11.0.0)