1. Differences in uses: 1. Pudong Development Reserve Fund, whose full name is Pudong Development Consumption Reserve Fund, is positioned in the consumer field. The funds after successful application can only be used for consumption and cannot be withdrawn in cash or transferred; 2 , Pudong Development Bank Universal Gold is positioned as a cash installment. After the application is successful, the funds will be transferred to your debit card, and you can withdraw cash, transfer funds, and spend money.
2. Differences in rates: Both reserve funds and universal funds are subject to handling fees. Although the number of installments is the same, the fees are different. >1. Reserve fund. Handling fees are collected on a regular basis. The rate for 3 periods is 0.90%, the rate for 6 periods is 0.83%, the fee rate for 12 periods is 0.79%, the fee rate for 24 periods is 0.81%, and the fee rate for 36 periods is 0.38%; 1. Reserve fund , charge handling fees on a periodic basis, with the fee for 3 periods being 0.90%, the fee for 6 periods being 0.83%, the fee for 12 periods being 0.79%, the fee for 24 periods being 0.81%, and the fee for 36 periods being 0.38%;
3. Differences in interest on early repayment: 1. For Pudong Development Bank reserve funds, you can proactively terminate the successfully applied reserve fund business in advance through the 24-hour customer service hotline of the Shanghai Pudong Development Bank Credit Card Center, but you must pay the remaining principal and handling fees for each period in one go. The handling fee paid is non-refundable. 2. Pudong Development Bank: You can call the 24-hour service hotline of Shanghai Pudong Development Bank Credit Card to apply for early termination of the Universal Bank business. After the application is successful, a 3% penalty will be charged. The handling fee will be collected in installments. The remaining handling fee will not be paid again. The handling fee is one time What you receive for sex will not be refunded to you.