The overrun function of Shanghai Pudong Development Bank can be within 10%.
Under normal circumstances, the bank will allow the appropriate limit to exceed the limit, and the general range will be controlled at about 5%- 10% of the original limit. Although the bank allows cardholders to spend more than the limit, the corresponding cardholders need to pay the handling fee for exceeding the limit.
There are many types of credit cards in Shanghai Pudong Development Bank, and the overrun range is between 3- 10%. If the credit limit is exceeded, an overrun fee of 5% will be charged for the excess.
Credit card overdraft means that the cardholder can still use the credit card for consumption with the approval of the bank when the funds in the credit card account of the issuing bank are insufficient or no longer available. Credit card overdraft is essentially the consumer credit provided by the bank to the cardholder, that is, when the funds are insufficient, the cardholder is allowed to spend first, and then the cardholder makes up the funds and pays certain interest according to the regulations.
Overdraft cash withdrawal is a small cash loan provided by the bank to help you flexibly allocate funds when you are in urgent need. Generally speaking, you take a credit card from the bank and withdraw cash through the bank counter or ATM, which is a form of borrowing. If you spend money in a shopping mall, take a credit card directly. This is called overdraft consumption (interest-free period).
Overdraft can be repaid as you borrow, with daily interest, with a daily interest rate of five ten thousandths; No overdraft, no interest, no interest for repayment on the day of overdraft, and interest for how many days of overdraft.
Shanghai Pudong Development Bank (hereinafter referred to as Shanghai Pudong Development Bank or Shanghai Pudong Development Bank) is a national joint-stock commercial bank established with the approval of the People's Bank of China on August 28th, 1992. 19931October 9th, and it was successfully listed on the Shanghai Stock Exchange (stock exchange code: 600000). Its headquarters is located in.
In 20 18, Shanghai Pudong Development Bank ranked 70th in Forbes "Top 2000 Global Enterprises". The British "Banker" ranked 25th in the "Top Global Banks 1000"; America's Fortune 500 ranked 227th. Shanghai Pudong Development Bank is one of the few joint-stock commercial banks in China that have been rated as investment grade or above by three international rating agencies.
How to use Pudong Development Credit Card?
The credit card of Shanghai Pudong Development Bank allows cardholders to swipe their cards in excess of the cardholder's credit limit 10%. The overrun range of PUFA credit card is between 3- 10%.
Cardholders who use credit cards outside the credit line approved by the bank shall not enjoy the interest-free repayment period, but shall pay the interest and expenses of all overdraft debts during the period exceeding the credit line according to Party A's relevant regulations ... If Party B uses credit cards outside the credit line approved by Party A, it shall pay an overrun fee of 5% for the part exceeding the credit line.
If the cardholder fails to repay the excess debt before the expiration of the temporary credit limit, or exceeds the credit limit due to the interest and fees charged by the bank, it belongs to the use of credit cards beyond the credit limit.
Extended data:
According to the relevant regulations of the central bank, banks can control the maximum amount of credit card spending at 1 10% of the original amount. For example, if you have a credit card with a credit limit of 10000 yuan, you may spend as much as 1 1000 yuan directly on the credit card, and the bank may charge a certain percentage of the overrun fee if it exceeds the credit limit of 1000 yuan.
However, the credit card of China Merchants Bank cannot exceed the credit limit, which is very special. Therefore, there is no over-limit fee for China Merchants Credit Card.
When the cardholder's consumption limit is greater than the credit card issuance limit and it is necessary to temporarily increase the limit, you can call customer service to apply. The temporary increase of the limit is valid for two months, and there is still no over-limit fee, but the consumption limit exceeding the issuance limit needs to be repaid in the same month.