If it is an ordinary PUFA credit card, there is no need to pay an annual fee when the credit card is not activated, so there is no risk of overdue annual fee.
However, if it is a high-end credit card, such as a platinum card, although the credit card is not activated, it will still charge an annual fee, which will be automatically deducted from the credit card limit. If the annual fee is not paid off in time, there will be overdue records on the credit report.
Therefore, it is suggested that users must call the bank customer service to find out the annual fee of the credit card after the credit card is issued, so as to avoid overdue repayment. In addition, after the general cardholder applies for a credit card, the credit card application record will also appear in the credit report, but this record is not a bad record and has little impact on the credit report.
Usually, as long as you apply for a credit card, whether it is issued by a bank or not, it will be recorded in the credit report. If the card is issued, the credit card approval time, currency and other related information will also be displayed in the credit report.
Second, is the car loan interest rate high?
Not tall. At present, the three-year joint ordinary car loan interest between the car dealership and the bank is 12.
Third, the car loan Pufa 4.59 annual interest rate is 5 years higher.
Not tall. Shanghai Pudong Development Bank's car loan interest fluctuates on the basis of the central bank's benchmark loan interest rate. Shanghai Pudong Development Bank's car loan interest rate of 4.59 is not high for five years, and its loan interest within one year is 4.35%; The loan interest for one to five years is 4.75%.
4. What is the latest loan interest rate of 20 15 of Shanghai Pudong Development Bank?
Shanghai Pudong Development Bank loan interest rate table
Rmb loan
Project Term Annual Interest Rate (%)
Year (inclusive) 2.75
Provident fund loan for five years
Housing loans within six months (inclusive) 4
Housing loan for six months to one year (inclusive) 4.35
One to three years (inclusive) housing loan 4.75
Three to five years (inclusive) housing loan 4.75
Housing loan for more than five years
Car loan within half a year (inclusive) 4.
Car loan for half a year to one year (inclusive) 4.35
One-year to three-year (inclusive) car loan 4.75
Three to five years (inclusive) car loan 4.75
Car loan for more than five years 4.90
Consumer loans within 6 months (inclusive) 4.35
Consumer loans for six months to one year (inclusive) 4.35
Consumer loans for one to three years (inclusive) 4.75
Consumption 5
Consumer loans for more than five years 4.90
Within six months (inclusive) 4.35
Six months to one year (inclusive)
Operating loans within 6 months (inclusive) 4.35
In operation. 35
Operating loan for one year to three years (inclusive) 4.75