Is Shanghai Pudong Development Bank Credit Card easy to use? Which one is the best

For a credit card novice, it is really important for someone to tell him which credit card from which bank is good or not! Some friends have asked me whether Shanghai Pudong Development Bank’s credit card is easy to use. Let me answer you~

Shanghai Pudong Development Bank Credit Card Intimate Service

Shanghai Pudong Development Bank Credit Card Center was established In January 2004, it is a direct operating institution established by Shanghai Pudong Development Bank to specialize in credit card business. It is also one of the earliest credit card centers in China to obtain a financial license. Shanghai Pudong Development Bank Credit Card Center adheres to customer needs as the center, continuous innovation as the driving force for development, improves the product system, innovates special services, and enhances customer experience. The Shanghai Pudong Development Bank Credit Card Center has innovated a number of service functions, taking the lead in China to provide credit card shopping and travel inconvenience protection, photo cards, credit card SMS instant messages, free installment payment, etc., striving to bring cardholders a considerate and thoughtful card use experience.

Pudong Development Bank has a wide range of credit cards

Pudong Development Bank has a wide range of credit cards, and has successively issued regular cards, gold cards, platinum card series, WOW series cards, McDull cards, accelerated points cards, wealth cards, etc. Star cards, private bank credit cards and other products. At the same time, according to the needs of different market segments, we have cooperated with industry leaders in the aviation industry, hotel industry, department store industry, communications industry, etc. on many co-branded card products. There are more Pudong Development Bank credit cards, and cardholders can choose one of them according to their needs.

Advantages and Disadvantages of Shanghai Pudong Development Bank Credit Card

The advantage of Shanghai Pudong Development Bank Credit Card is that you can pay in installments if you spend more than 500 yuan, and there will be SMS reminders for any consumption. You don’t need to exchange U.S. dollars to spend when you go abroad. You can directly use U.S. dollar cards to make purchases. In addition, not having a credit card abroad is not only troublesome, but using cash is often regarded as alien (the lifestyles of China and the West are very different). The gold card can enjoy the special merchant services of "Citibank CITIBANK" overseas; it can print photos and give gifts of higher value at events, etc.

The disadvantage is that the cash withdrawal fee is too high. Regular/gold cards require an annual consumption of 2,000/5,000 yuan to be exempted from annual fees; there are few outlets; and the application threshold is high.

Something to say: I have always thought that Shanghai Pudong Development Bank credit card is a high-end and rich-style credit card! There are a lot of special discounts and activities, which I personally think are pretty good. But you must also be able to bear its shortcomings, and it is best to truly meet your needs.

How many types of Shanghai Pudong Development Bank credit cards are there?

There are seven types of Shanghai Pudong Development Bank credit cards, which are mainly divided into standard credit cards, functional credit cards, lifestyle themed credit cards, business travel credit cards, and city travel credit cards. Class credit card, department store commercial credit card, innovative payment credit card.

Each category has all the basic functions of a general credit card, including: global functions that allow you to spend money and withdraw cash at home and abroad; you can spend first and repay later, and you can repay interest-free for up to 50 days. repayment period; revolving credit function that can be recycled and controlled freely; supplementary card function that can be shared with family members.

Pudong Development Credit Card’s security measures for credit card use involve all aspects before, during and after the event. It has designed six layers of protection measures and has a unique 24-hour anti-fraud function, which can detect suspicious Provide timely early warnings for transactions around the clock and take precautions in advance.

If you want to apply for a Pudong Development Bank credit card, you can get the application form by calling the application hotline to get the application form, apply for a credit card online, and get it at any Shanghai Pudong Development Bank branch.

Users must fill in relevant personal information on the application form. After confirming that the filled-in information is correct, sign the user’s real name in the signature column and attach the required documents according to the prompts on the application form. If the user chooses to fill in online For the complete application form, please confirm "Submit" and "Print" as prompted, so that you can apply.

Is it easy to apply for a Shanghai Pudong Development Bank credit card?

It is easy to apply for a credit card. The credit limit is high and the interest is low. The bank applies for a credit card online:

If you want to find a credit card, it is best to apply. For banks, you can choose from private banks, local banks and their co-branded cards. This is also a common understanding.

In addition, the development of the credit card business of each bank is different. Generally speaking, those with a larger number of credit cards can be considered to have a lower application threshold and a higher chance of passing.

When many cardholders apply for a credit card, in addition to looking at the application threshold, they also pay attention to the credit limit. After all, the larger the credit card limit, the more enjoyable it is to swipe the card, so many people want to apply for a card with a good application limit. Big credit card.

Meituan co-branded credit card

Meituan co-branded credit card is a co-branded card jointly launched by banks and Meituan. The limit of Meituan co-branded credit card is generally 1,000-50,000 yuan, and the maximum limit is 50,000 yuan. Yuan. (

Meituan co-branded credit card application

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Meituan and Bank of Guangzhou, Bank of Jiangsu, Bank of Xiamen, Bank of Guilin, Bank of Shanghai, Bank of Qingdao, etc. All banks have cooperated to launch co-branded credit cards. The number of cooperative regional banks reaches 14.

Cardholders can bind their Meituan credit card to Meituan. When making purchases on Meituan, they can use the Meituan credit card to pay and enjoy related preferential activities.

If you are an experienced user of Meituan, often order takeout and group purchases, have a certain spending power, have applied for credit cards from other banks and use them normally, then applying for a Meituan co-branded card will basically take seconds. batch.

The Meituan credit card discount of 6 yuan can be used every day. You can get 6 yuan off on every takeout order every day, and the discount can be continued for 90 days. Movies are 50% off every month, and credit card consumption points can be automatically converted into Meituan pocket money according to the standard of 10 yuan/100 yuan, which can be redeemed on the daily platform.

Bohai Bank Credit Card

Bohai Bank credit card limit range is: regular card limit 1,000-10,000; gold card limit 10,000-50,000; platinum card limit more than 50,000. It should be noted that the approval of a credit card application is based on the applicant's actual situation, such as whether the job is stable and the income is fixed. (

Bohai Bank Credit Card Application

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Its products mainly include standard cards, Bohai Bank 51 co-branded credit cards, travel theme cards, home card theme cards, family Series theme cards, etc. Bohai Bank 51 co-branded credit card is a UnionPay standard gold card with no annual fee and a maximum credit limit of 100,000 yuan. The card does not have an interest-free repayment period, and interest is calculated on a daily basis. It can be borrowed and repaid at any time, and can flexibly meet the cardholder's needs for shopping and consumption.

Shanghai Pudong Development Bank Credit Card

Shanghai Pudong Development Bank credit card is divided into regular card, gold card and platinum card according to the card level. The limit of a regular card is generally between 3,000-50,000 yuan, the limit of a gold card is generally between 10,000-50,000 yuan, and the limit of a platinum card is generally more than 50,000 yuan. (

Application for Shanghai Pudong Development Bank Credit Card

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The credit limit of Shanghai Pudong Development Bank Credit Card is the credit limit given by the applicant through various evaluations. The evaluation items include: Employment, credit history, education and asset status, etc. The better the assessment item, the higher the credit card limit.

Hengfeng Bank Credit Card

The credit card limit of Hengfeng Bank is generally: the limit of regular card: between 3,000 yuan and 10,000 yuan. Gold card limit: between 5,000 yuan and 30,000 yuan. Platinum card limit: between 10,000 yuan and 50,000 yuan. (

Hengfeng Bank Credit Card Application

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Mainly talk about the Hengfeng Bank Stellar Platinum Credit Card. It is a credit card mainly for family units. This card can provide cardholders and their families with a variety of rich benefits, such as comprehensive aviation protection, a private health manager for families, 3x points on Wednesdays, exclusive points cashback, and UnionPay platinum benefits. rights and interests.

In terms of travel, the Stellar Platinum Credit Card is also quite unique. With this card, the cardholder and his family can enjoy global flight delay insurance with a compensation of 300 yuan for a single delay of 2 hours, and 800 yuan for air checked baggage. Delay insurance.

How about Shanghai Pudong Development Bank’s credit card?

Question 1: Is it good to apply for Pudong Development Bank’s credit card? Whether a credit card is good generally depends on whether there are many outlets, whether it is easy to repay, whether the application threshold is low, and whether there is a lot of cooperation with merchants.

If you want convenience, apply for one of the four major state-owned credit cards. They have many branches and are convenient. Among them, Industrial and Commercial Bank of China and China Construction Bank are recommended.

If you want good service, use a credit card from a commercial bank. I recommend the card from China Merchants Bank. The threshold is low and the points are valid forever. It is very good.

How should I put it? Personally, I think Pudong Development Bank’s card is okay. There are quite a lot of value-added activities.

It usually takes a month for a credit card to be applied for, approved, and then sent back to you. If you do not receive it for a long time, it is recommended to call the credit card customer service to check the application progress.

In addition, some comparisons of credit cards are provided for your reference:

Four major state-owned commercial banks:

China Construction Bank:

Advantages:

1. The annual fee for the first year is waived, and the annual fee for the next year is waived if you swipe three times;

2. The SMS service is free;

3. The cash withdrawal fee is only 0.5 ;

4. The handling fee for reporting a loss is 50 yuan;

5. There is a credit card directly targeted at car owners. Anyone with a car with a displacement of 1.4 or more can easily apply for the card.

Disadvantages: The gifts that points can be exchanged for are few and poor

Bank of China:

Advantages:

1. Free of charge for the first year If you swipe five times, the annual fee will be waived;

2. SMS service is free;

3. The cash withdrawal fee is only RMB 1;

4. Loss report procedure The fee is only 40 yuan

Disadvantages: high points required to exchange gifts, few types of gifts

ICBC:

Advantages:

1 , swipe the American Express card 5 times a year or spend 5,000 yuan to waive the annual fee for the year, or exchange 2,000 points for the annual annual fee for RMB ordinary cards;

2. Cash withdrawal fees are free;

3. There is no handling fee for overpayment redemption;

4. It only costs 20 yuan to report a loss;

5. There are many outlets

Disadvantages:

1. The SMS service fee is 2 yuan/month;

2. The points required to redeem gifts are high and the types of gifts are small

Agricultural Bank of China:

Advantages ：

1. The annual fee for the first year is waived, and the annual fee for the following year is waived for five purchases;

2. The SMS service is free;

3. Cash withdrawal fees Only 1;

4. The loss reporting fee is only 50 yuan;

5. There are many outlets

Disadvantages: 1. Few types of credit cards; 2. Card application The procedures are relatively cumbersome; 3. Few points can be redeemed for gifts

China Merchants Bank:

Advantages:

1. The first-year annual fee is waived, and it is waived after six purchases. Annual fee;

2. Free SMS service;

3. Loss report handling fee 60 yuan;

4. Points gifts are better

Disadvantages:

1. High cash withdrawal fees;

2. Fewer outlets

CITIC Bank:

Advantages :

1. Swiping the card once within one month after issuance will waive the first-year annual fee, and swiping the card five times will waive the annual fee for the following year;

2. SMS service is free;

3. Free accident insurance

Disadvantages:

1. The cash withdrawal fee is high;

2. Few outlets;

3. The handling fee for reporting a loss is 80 yuan;

4. There are many gifts but the required points are high

Industrial Bank:

Advantages:

1. The annual fee for the first year is waived, and the annual fee for the next year is waived if you use it five times or spend 3,000;

2. It costs 50 yuan to report a loss

Disadvantages:

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1. SMS service fee is 3 yuan/month;

2. Cash withdrawal fee is high and requires 3 yuan;

3. Few outlets

Transportation Bank:

Advantages:

1. The annual fee for the first year is waived, Y-POWER card is swiped three times to waive the next year's annual fee, and other cards are swiped six times to waive the next year's annual fee;

2. SMS service is free;

3. Cash withdrawal fee is only RMB 1;

4. Reporting loss requires RMB 50;

5 , more branches than other non-state-owned commercial banks;

6. There are more gifts that can be redeemed with points

Disadvantages: I haven’t seen it yet, but colleagues who use Bank of Communications credit cards generally give The evaluation is average

Guangfa Bank:

Advantages:

1. The first-year annual fee is waived, and the annual fee for the next year is waived after six brushes;

2. There is no handling fee for overpayment redemption;

3. It only costs 3 yuan to prepare a replacement statement;

4. A copy of insurance will be sent;

5. There are discounts for applying for a card

Disadvantages:

1. The SMS service fee is 3 yuan;

2. The loss reporting fee is high and costs 85 yuan. Yuan;

3. Few branches

Shanghai Pudong Development Bank:

Advantages:

1. No annual fee for the first year;

2. No SMS service fee;

3. No loss report handling fee; 4. No overpayment recovery handling fee

Disadvantages :

1. The annual fee for the following year will be calculated based on the credit card payment.

Registration and repayment records determine whether to be exempted;

2. The handling fee for replacing a damaged card is 80 yuan;

3. The cash withdrawal handling fee is 3 yuan;

4. Few branches

Shenzhen Development Bank:

Advantages:

1. No annual fee for the first year;

2. Cash withdrawal fee 1;

3. Loss reporting fee 50 yuan;

4. The fee for making a replacement statement is only 2 yuan

Disadvantages:

1. You can only use points...

Question 2: Is Shanghai Pudong Development Bank credit card good? The main functions of Shanghai Pudong Development Bank's credit are: RMB/USD dual-currency settlement. Your Shanghai Pudong Development Bank credit card is a credit card that is settled in RMB and US dollars respectively. With it, you will experience the world's leading consumption concepts and fashionable lifestyles. When you use this card within China, it will be settled in RMB; when you use it outside China, it will be settled in US dollars. After you return to China, you can choose to repay the overseas consumption amount in US dollars or RMB. This globally accepted card is not only accepted at more than 20 million merchants around the world, but also allows you to withdraw cash at more than 840,000 automated teller machines (ATMs) around the world. Now that you have a Shanghai Pudong Development Bank credit card, of course you can travel around the world! Overseas consumption, RMB repayment If you choose to repay your overseas spending settled in US dollars in RMB, you only need to bring the statement and other relevant documents to the designated outlets of Shanghai Pudong Development Bank to purchase foreign exchange and repay. Spend first and repay later. You don’t need to deposit any cash in advance. You can make purchases and withdraw cash within the credit limit, and experience an easy and advanced consumption method. Credit Limit The Center has granted you the maximum credit limit for consumption and cash withdrawal based on the information you provided when applying. You can check the initial credit limit on the card's delivery envelope and first month's statement. Within this limit, you can freely use this card to make purchases or withdraw cash. This credit limit is shared in RMB and USD*, and is shared* with the main card and supplementary card. Interest-free repayment period This card allows you to experience a new life of spending and consumption, and at the same time, you can also enjoy the interest-free repayment period for consumption. When you use this card to make purchases (excluding cash withdrawals), you can enjoy an interest-free repayment period of up to 50 days from the date of your transaction to the due date of repayment. You only need to pay off the balance of the current period on your statement before the payment due date, and you will not need to pay interest on these purchases. Interest-free consumption makes life more comfortable. Minimum repayment amount This card also provides minimum repayment amount treatment. The minimum repayment amount is the minimum amount you need to pay every month. You can freely choose to repay in this way, which not only allows you to handle your own funds flexibly, but also reduces the pressure of repayment. (The minimum repayment amount and the interest-free repayment period cannot be enjoyed at the same time) Revolving Credit After you consume or withdraw cash, your available credit limit will be reduced accordingly, but after you repay the loan, the credit limit will be restored accordingly. ——This is the revolving credit function! You can decide the amount of consumption and repayment according to your needs and financial situation. It’s easy to deal with and can save you from many repeated application procedures. Withdraw cash You can use this card to easily withdraw cash up to the cash withdrawal limit at domestic and overseas automated teller machines (ATMs) marked with the corresponding international card organization logo to meet emergency needs. (Withdrawing cash will not enjoy the interest-free repayment period and minimum repayment amount treatment) Additional Card Apply for an additional card for your family and let them share your credit! The supplementary card and the main card share the same credit limit, and all transaction details of the supplementary card are uniformly listed on the main card statement, allowing you to keep track of the usage of the supplementary card.

Question 3: How is the credit card of Shanghai Pudong Development Bank in general?

1. Repayment is convenient. You can repay through convenience stores, UnionPay online, etc.

2 .There is no handling fee for overpayment recovery

But there is an over-limit fee

The cash withdrawal handling fee is very high, with a minimum of 30

Theft and maintenance costs are high, and there are disputes The fees for verification and so on are relatively high

3. There are quite a lot of activities

4. It is not easy to meet the annual fee exemption conditions, usually more than 5,000 credit cards are swiped, although it usually exceeds this number, but How many times do you prefer to swipe your card?

5. Credit card payment in online banking is pretty good, although not as good as ICBC, but much better than the other four major banks

6. The processing is fast, I have Apply for a card, submit it on the first day and it will be approved the next day

7.

For credit card-related business

For Shanghai area, Shanghai Pudong Development Bank branches It is very convenient to do things

PayPass can support Pudong Development Bank credit cards

Transportation card business can be handled at Pudong Development Bank counters

Traditional handling fees are relatively cheap

8. If you use the card frequently, the credit limit can be increased quickly

Question 4: Which credit card from Shanghai Pudong Development Bank is better? People are asking which credit card is better from Shanghai Pudong Development Bank.

There are two main types of Shanghai Pudong Development Bank credit cards: 1. Accelerated score card 2. Other card types. Their advantages and disadvantages are as follows

1. Accelerated score card. Its advantages are gas stations and supermarkets 5. times points. Spend 10 times these on your birthday. , all normal consumption withdrawals are 1.5 times! The disadvantage is that you cannot redeem airline miles, you can only exchange them for some miscellaneous items. You must know that the most valuable thing is airline miles. Someone is buying airline miles online. Hainan Airlines is currently the best seller (currently in June 2013), which means more miles are money.

2. Ordinary cards can be exchanged for airline miles, but unfortunately the points are only the normal 1 yuan and 1 point.

On this point of difference, if you go by the card denomination, naturally the bigger the card is, the better. The Platinum Card can theoretically reach a limit of 400,000. The gold card is estimated to be around 51,000.

Question 5: What does Shanghai Pudong Development Bank’s credit card do? Shanghai Pudong Development Bank has branches and business outlets across the country, and the credit cards issued can also be used across the country. There are branches and several Pudong Development Bank branches in Jinan, Shandong Province. You can apply for a Pudong Development Credit Card at a business outlet, or you can apply directly online. The process of applying for a Shanghai Pudong Development Bank credit card is as follows:

1. Download the application form (or obtain it directly from Shanghai Pudong Development Bank);

2. Fill out the application form according to the text prompts on the application form and Sign your name and prepare the personal information mentioned on the application form, including the original ID card, income and employment certificate issued by the unit (official seal or financial and labor seal required), the original real estate certificate in your name, and the driving license of your car. Original certificate, etc.;

3. Submit the application form to a Shanghai Pudong Development Bank branch and wait for approval.

Question 6: Is the Shanghai Pudong Development Bank Credit Card good? This is determined based on personal consumption. Each bank credit card has its own regional advantages. Hope you know more.

Question 7: Shanghai Pudong Development Bank Xinjin How about a credit card? The Pudong Development Bank New Gold Card is free of annual fees in the first year, and swiping the card 6 times in that year is free of annual fees for the next year. The limit can be increased by applying to the bank based on your monthly consumption and repayment records.

Question 8: What is the salary at Shanghai Pudong Development Bank Credit Card Center, around 3,000? It is difficult to enter the official establishment now. I guess the only way to become a regular employee is to change jobs.

Question 9: What are the benefits for authorized positions at Shanghai Pudong Development Bank Credit Card Center? I used to work at the Shanghai Pudong Development Bank Credit Card Center and had never done the authorization position, but a friend is still an authorization officer.

First of all, we do not recommend students who have not graduated to join the internship, because all internship wages are subject to 20% tax, and internships are not counted as seniority. Someone in our department has been an intern for 3 months, and the signing is official After the agreement, there will be another 6 months of probation. It is said that the authorized officer has a 6-month internship and another 6 months of probation.

The second is the treatment issue that everyone is concerned about. First of all, it is not calculated by Shanghai Pudong Development Bank. Even if it is a contract signed with the credit card center, because the Shanghai Pudong Development Card Center previously cooperated with Citigroup, it is compiled by the card center. This In other words, regardless of the fact that the average annual salary at Shanghai Pudong Development Bank is 46W, the card center has nothing to do with it.

Let’s talk about my salary. I am a fresh graduate and I worked as an intern for a month. I worked for 2 years until I left my job. I didn’t get a 1 cent salary increase. I received about 4,000 before tax every month. After paying the money, I can only sigh. Originally, all employees were entitled to 5 days of paid sick leave and compliance leave. However, this year I changed to a general manager and canceled the above benefits. I also enjoyed 3 days of compliance leave and 5 days of paid sick leave last year. It’s gone this year.

Originally, working in our department was very relaxed, and the clothes were very casual. After all, we only got this little money. However, since we changed the general manager, the 200 yuan that we would receive during the holidays is gone. 8 days of vacation, gone. We originally expected the credit card center to send some money for the tenth anniversary, but no more. If a company doesn't even pay a penny for its 10th anniversary, what hope does it have? Before leaving last year, I received a year-end bonus of more than 1,000 yuan at the end of the year. Haha, the bank's year-end bonus is only more than 1,000 yuan. It is said that the authorization officers are even worse. They have no rest except for meals every day because they are doing fraud detection. As long as someone uses the card, they have to detect transactions and they are very busy answering calls from customer service. Probably apart from customer service, the authorizers are the most pitiable, but the customer service salary will be a little higher because there is a commission.

My authorized partner asked me to recommend jobs to him a few days ago because they have to hand in their mobile phones at work. This is how he described his treatment to me. He has to pick up hundreds of calls every day. Customer service phone number, because only customer service and authorization work 24 hours a day, so during customer service training, they just don’t know how to ask about authorization. The leaders are so stupid that people are speechless. The three leaders of their department are all women. They are able to take the leadership position because all the previous leaders ran away. Because he has to work shifts, he gets a little more than me before tax, about 4,500, and a year-end bonus of more than 1,000. The fresh graduates in his department didn't even get a year-end bonus during the Chinese New Year last year. About 30 of them have resigned this year.

If you are a fresh graduate and really can't find a job, you can consider going to the card center, but don't go for the authorization and customer service positions.

Is it easy to apply for Pudong Development Credit Card?

It is easy to apply. Shanghai Pudong Development Bank’s credit cards include main card and supplementary card. The application conditions are as follows:

1. Main card application conditions: Over 18 years old, good personal credit record, stable job and income;

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2. Supplementary card application conditions: Must be 15 years old (inclusive) or above; the applicant for the supplementary card is an immediate relative of the applicant for the main card, that is, the relationship between the applicant for the main and supplementary card is: spouse, parents, and children.

Information required to apply for a Shanghai Pudong Development Bank credit card:

1. Identity documents such as ID card and household register;

2. Educational qualification documents;

3. Work certification document stamped by the employer;

4. Income certificate issued by the employer;

5. Credit report;

6. Proof of financial resources;

7. Proof of residence (copies of water, electricity, coal, residential phone bills, and property management fee documents can be provided as valid proof of residence).

As long as you meet the above application conditions and provide the above application information, you can easily apply for a Shanghai Pudong Development Bank credit card. In short, if you meet the conditions, the more complete the information you provide, the faster the bank's review will be and the process will be relatively easier. Also, the difficulty of applying for a credit card mainly depends on the personal conditions of the applicant, not the review standards of which bank. If you can provide valid financial documentation, it will help the bank understand your personal situation and determine your credit limit. If you already have a credit card, you can use the card to apply for a card, which can also facilitate many steps.

The Credit Card Center of Shanghai Pudong Development Bank (referred to as "Shanghai Pudong Development Bank") was established in January 2004. It is a direct operating institution established by Shanghai Pudong Development Bank that specializes in credit card business.

The product and service system of Shanghai Pudong Development Bank Credit Card Center includes: a credit card product that can be customized by users - Pudong Development Dream Card; cooperation with popular domestic and foreign institutions and brand IPs such as the Forbidden City, Barcelona Football Club, and Zhuxiaoyi; and cooperation with the aviation industry, hotel industry, and department stores. It cooperates with industries such as the industry, communication industry and Internet platform to launch co-branded theme credit card products; it jointly issues high-end card products with rich rights and interests with VISA, American Express, MasterCard International and other domestic and foreign card organizations.

The Shanghai Pudong Development Bank Credit Card Center has launched "Dream Xiangjia Club", "Xiao Pu Huihua" and other credit card preferential platforms, and launched a marketing activity system such as red envelopes, movies, miles, and hotels. Shanghai Pudong Development Bank Credit Card provides Pu Daxi Mobile service platforms such as Ben APP.

Is it easy to apply for a Pudong Development Bank credit card? It is easy to apply for a Pudong Development Bank credit card as long as you meet the bank's requirements. However, different users will get different amounts when applying. The same. Generally, the more financial resources a user submits, the higher the card limit will be. It usually takes about 30 days to get the card when applying for a Shanghai Pudong Development Bank card. As mentioned above, if your personal credit record is good, you can apply through the bank's official website and bank counter. When applying on the bank's official website, you can learn more about the benefits included in this credit card, and then decide whether to apply based on whether these benefits are what you need most.

After the user submits the information, the bank will review it. At this time, the user can check the application progress through different channels, such as the bank's official website and telephone banking. If the application is rejected by the bank, you can call to ask for the specific reasons. Then correct and submit again.

After the user gets the newly applied credit card, he needs to activate it. The activation method is already marked on the mailed envelope. You can just choose one of the credit cards and then swipe the card. Consumption. However, you must repay on time after consumption, and do not overdue repayment

Extended information

What are the serious consequences of overdue repayment

Entering the credit blacklist and hindering travel. Once the payment is seriously overdue and the bank's reminder is invalid, the credit blacklist will result in the inability to take flights, high-speed trains, accommodation, etc. It will also seriously affect the child's overdue study abroad for more than 3 months. Collection will be collected in accordance with the law. According to the loan contract and guarantee contract, a lawsuit will be filed. Property preservation and other measures will be taken, including freezing all bank account deposits of the lender and loan guarantor, sealing up the offset and pledged properties, etc. After the judgment, the judgment will be enforced in accordance with the law. Property to pay off the bank's loan losses

After the due date, it is best to repay the amount in full and give an explanation. If you forget to repay the money due to consistent carelessness, you must pay it in full as soon as possible after discovering that it is overdue. , it is best to pay in full, because calling the bank after full payment will make it easier to request to cancel the overdue record.

If the credit card cannot be repaid at once, you can negotiate with the bank for installments. , overdue installments, also known as personal debt restructuring, can help debtors ensure basic living and make reasonable repayments within their ability to repay, avoiding collections and asset disposals. It is recommended to pay back several hundred thousand, as interest and liquidated damages will be deducted for repayment. Either relatives and friends can make a one-time payment, and the bank will waive the overdue interest, or suspend the interest rate and suspend the loan to prevent the interest from rising, and pay back slowly. , avoid collection and avoid being caught!

That’s it for the introduction of Shanghai Pudong Development Bank’s credit card.