How does the credit card center of Shanghai Pudong Development Bank repay
The cardholder associates with the credit card through his settlement account of the same name in Shanghai Pudong Development Bank, and the credit card center of Shanghai Pudong Development Bank will automatically deduct the corresponding amount from the repayment account on the due repayment date.
Automatic repayment mode:
1. Mobile APP: The cardholder downloads, registers and logs in "Pudaxiben Mobile APP", and then clicks Home-More-Service-Repayment Settings, and then operates according to the prompts on the page.
2. official wechat of Shanghai Pudong development bank credit card: cardholders can search for "Shanghai Pudong development bank credit card" through their own wechat and pay attention to it, enter "automatic repayment of the bank" in the dialog box and follow the instructions on the page.
3. Credit card customer service hotline: the cardholder calls the credit card customer service hotline of Shanghai Pudong Development Bank and transfers to manual service, and asks the staff to assist in handling it.
credit card refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
Main features of credit card:
1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;
2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;
3. Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and meet social needs.
Main types
According to different card issuers, it can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.
non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.
according to different card issuers, it can be divided into corporate cards and personal cards
corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.
personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.
gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.
what are the credit card repayment methods of Shanghai Pudong Development Bank? How to be the most convenient
For credit cards, it is nothing more than the amount, points, cash withdrawal, installment, handling fees, repayment and so on, but there are many doorways under a knowledge. It is natural to pay back debts, and credit card repayment is also normal. There are many credit card repayment methods in Shanghai Pudong Development Bank, which will be summarized for you.
1. Self-service repayment: On the repayment date due each month, Shanghai Pudong Development Bank will automatically deduct the specified amount from your settlement account with the same name in Shanghai Pudong Development Bank according to your authorization for your credit card repayment.
2. repayment by ATM: cash is deposited in a self-service deposit machine (CDM) or a deposit and withdrawal machine (CRS) that supports cash deposit. (repayment scope: RMB repayment)
3. Telegraphic repayment: remit your cash or debit card funds to Pudong Development Credit Card by telegraphic transfer at the bank counter to complete the repayment. (repayment range: RMB repayment, USD returning to USD)
4. Repayment of foreign exchange purchased from credit card overflow: (repayment range: RMB returning to USD)
Please call the service hotline on the back of your credit card to apply for the remittance of RMB overflow to repay USD arrears. You can choose two different repayment methods: long-term automatic purchase of foreign exchange or temporary single purchase of foreign exchange. Your RMB repayment funds will give priority to repay the full amount of RMB arrears in the previous bill ("RMB balance in current period" in the upper right corner of the bill), and the remaining funds can be used to purchase foreign exchange.
5. Online repayment: If you need to open online repayment, you need to be a registered customer of Shanghai Pudong Development Bank's online banking first, and then you can log in to Shanghai Pudong Development Bank's online banking for repayment after registering your credit card.
6. Telephone banking repayment of other banks (repayment scope: RMB repayment)
Call your debit card telephone banking phone number, and use the function of "inter-bank remittance" or "inter-bank transfer" to transfer the funds in the debit card account to Pudong Development Credit Card to complete the repayment. Please consult your debit card issuing bank before using it to confirm whether your debit card has this function.
how to prepay the credit card of Shanghai Pudong Development Bank
The prepayment of loans of Shanghai Pudong Development Bank can be divided into mortgage and other loans. The procedures for prepayment of these two types of loan products are almost the same, but the provisions on the interest of prepayment are different.
1. First, you need to call the official customer service hotline of Shanghai Pudong Development Bank in advance to make an appointment;
2 there will be a specific time and prepayment amount after the loan prepayment appointment is successful;
3 after the agreed time, users can go to the business outlets of Shanghai Pudong Development Bank with the relevant loan information to go through the formalities of prepayment.
It should be reminded that if the mortgage of Shanghai Pudong Development Bank is repaid in advance, and if the loan repayment is over one year, there is no need to pay interest fees for early repayment; No matter how long the repayment period of other loans is, there will still be a certain penalty fee for prepayment.
The simple and popular understanding of loan (electronic IOU credit loan) is to borrow money with interest.
loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds. Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
loan principle
The "three principles" refer to safety, liquidity and efficiency, which are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks shall operate independently, bear their own risks, be responsible for their own profits and losses and be self-disciplined, taking safety, liquidity and efficiency as their operating principles."
1. Loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover loans within a predetermined period or realize them quickly without loss, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis for the sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate is higher than that of a short-term loan, and the benefit is good, but if the loan term is long, the risk will increase, the security will decrease and the liquidity will become weak. Therefore, the "three natures" should be harmonious, so that there can be no problem with loans.
repayment method
(1) equal repayment of principal and interest: that is, the sum of the principal and interest of the loan adopts a monthly equal repayment method. Housing provident fund loans and commercial personal housing loans of most banks have adopted this method. This way, the monthly repayment amount is the same;
(2) repayment of equal principal: that is, a repayment method in which the borrower evenly distributes the loan amount to each installment (month) throughout the repayment period and pays off the loan interest from the previous trading day to the repayment day. In this way, the monthly repayment amount decreases month by month;
(3) Pay interest on a monthly basis and repay the principal at maturity: that is, the borrower will repay the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan will bear interest on a daily basis and the interest will be repaid on a monthly basis;
(4) prepayment of part of the loan: the borrower can prepay part of the loan amount, usually 1, yuan or an integer multiple of 1, yuan. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period are changed, but the repayment method is unchanged, and the new repayment period shall not exceed the original loan period
(5) prepayment of all the loans: the borrower applies to the bank.
(6) Pay back as you borrow: the interest after borrowing is calculated on a daily basis, and the interest is calculated on a daily basis. You can settle the payment in one lump sum at any time without penalty.
How can Pudong Credit Card repay? Choose from a variety of ways
After successfully applying for a credit card, repayment is the top priority. After all, it is related to personal credit information and cannot be sloppy. Today, I will give you a detailed introduction to how to repay the Pudong Development Credit Card. After knowing the differences of various repayment methods in detail, cardholders can choose for themselves.
218 PUFA Credit Card Application Progress Inquiry Method Get
1. Repayment channels of the Bank
1. Automatic transfer repayment
Associate the PUFA debit card with the credit card, and set the due repayment date to automatically deduct the credit card repayment amount from the debit card.
in order to avoid the failure of deduction, make sure that there is enough money in the debit card.
repayment is free, and it will arrive on the due repayment date.
2. Repayment at the counter of bank outlets
Cardholders can bring Pudong Development Credit Card and make repayment in cash or by debit card transfer in their own name.
if you are a foreigner, you need to bring your employment certificate, employment certificate, passport, salary income list and salary tax payment certificate to the qualified outlets for foreign exchange purchase.
repayment is free, and it will arrive on the same day.
3. Online repayment
Pufa Credit Card can also be repaid through self-service devices (ATM machines, self-service deposit machines, all-in-one deposit and withdrawal machines, etc.), online banking, mobile banking and other channels, and it is very convenient and fast to transfer money directly online.
the repayment is free of charge, but there is a certain handling fee for inter-bank, and different banks have different tariff standards; It will arrive at the account on the repayment date.
II. Repayment channels of other banks
Pudong Development Credit Card holders can also repay through inter-bank automatic transfer, telephone banking, inter-bank wire transfer and online banking.
the repayment fee and the arrival time are different according to the transfer trip, so it is recommended to repay the loan 2-3 working days in advance.
Third, third-party repayment channels
There are many third-party repayment platforms that can support Pudong Credit Card repayment, such as Alipay, WeChat, Lacarra Convenience Payment Point, China Mobile's mobile payment platform, Shanda Repayment, UnionPay online payment and online repayment.
when choosing the third repayment channel for repayment, it is important to grasp the time when the repayment arrives. It is easy for the repayment to fail because of the untimely remittance of the platform. If the cardholder doesn't realize it, it is easy to cause overdue and affect the credit.
218 Pufa Credit Card Points Inquiry Method Daquan registered customers have the privilege
How to repay Pufa Credit Card? Through the above introduction of so many repayment channels, there is always one that can suit your mind. Special reminder, it is best to choose the repayment route of Shanghai Pudong Development Bank, which is free and the repayment is guaranteed.
how to repay the credit card of Shanghai Pudong Development Bank online
1. After opening the online banking of Shanghai Pudong Development Bank credit card, you can complete the repayment in the online banking by entering the debit card, password and repayment amount.
2. There is no handling fee for credit card repayment within the interest-free period. The interest-free repayment period starts from the bank bookkeeping date to the final repayment date, and the interest-free period of the credit card of Shanghai Pudong Development Bank is 5 days at the longest and 2 days at the shortest. Once it is overdue, it will no longer enjoy the interest-free period and charge one-tenth of the interest every day.
3. If you can't change the money within the repayment date, you can call the customer service hotline of Shanghai Pudong Development Bank Credit Card Center at 4-82-8788 to apply for a few days' grace for repayment. Try not to be overdue.