Low-carbon concepts such as green travel, garbage classification, and new energy vehicles have been deeply integrated into people's daily lives. In September 2020, China proposed the "double carbon" goal to further accelerate the green transformation of the social economy. Green finance, which provides “ammunition” for transformation, has therefore reached the “C position”. Among them, as the main force of banks, the layout of low-carbon finance has also extended to more and more business areas.
In August 2021, Shanghai Pudong Development Bank Credit Card was the first in the industry to launch the "Shanghai Pudong Development Bank Green Low-Carbon Themed Credit Card", aiming to promote the new concept of low-carbon life to cardholders and become a practitioner of financial innovation. Through a series of special activities, Shanghai Pudong Development Bank explores "dual carbon" related consumption scenarios and guides credit card consumption to open a new chapter of green and low-carbon.
Follow the "green" low-carbon theme and become a pioneer in green innovation.
Green, low-carbon, and sustainable development are important connotations of China’s high-quality development. In the practice of promoting the "double carbon" goal, the role of finance has become increasingly prominent. In addition to green credit and green bonds, innovative green financial products and services related to carbon emission reduction are constantly expanding, and the banking industry is actively using various financial instruments to support the development of low-carbon economy.
A survey of 2,500 people showed that the knowledge and behavior of low-carbon practices have not yet been unified. Respondents’ awareness of low-carbon actions is 76, but their practice is only 32. Low-carbon requirements have not yet become social norms, and insufficient positive feedback is the main reason for the low practice of green and low-carbon life.
“Banks providing targeted green financial services can guide more entities to participate in carbon emission reduction.” Industry insiders said. Based on this consideration, Pudong Development Bank Credit Cards occupy the forefront of the industry, actively comply with the "green" low-carbon theme, and explore new ways to combine credit cards with green and low-carbon.
In August last year, Shanghai Pudong Development Bank launched the "Shandong Development Bank UnionPay Green Low-Carbon Themed Credit Card" in the industry, driving more cardholders to invest in low-carbon investments. Shanghai Pudong Development Bank has sorted out the prototype of the brand's green and low-carbon strategy: grasping the characteristics of 2C business with strong inclusiveness and wide business scope, through credit card product innovation, integrating low-carbon products, consumer finance, low-carbon lifestyle, etc. It provides users with new options to achieve green and low-carbon consumption, thereby achieving the ultimate goal of practicing green and low-carbon concepts.
Deeply explore consumption scenarios and build a three-dimensional ecology of five major business sectors.
Bank cards can only have a foundation by serving users well, and can play a greater role when combined with consumption scenarios. Pudong Development Credit Card is well aware of this "play". In the 10 months since the launch of Shanghai Pudong Development Bank’s green and low-carbon theme credit card, Shanghai Pudong Development Bank’s credit card has built a multi-dimensional business ecosystem in five major sectors, covering green and low-carbon theme card products, green points system, new energy vehicle activities, green travel, and green business districts. The progress of the five major sectors can be described as a combination of "green and low-carbon".
The first level is a green and low-carbon themed credit card launched by Shanghai Pudong Development Credit Card, which is full of green benefits. Among them, there are free 100-yuan credit cards for the first purchase of a new card, as well as theme activities with distinctive low-carbon features such as "Public Traffic Reduction Rights".
The third level is green travel. This is the most suitable starting point for "green and low carbon" at the consumption scene level. During the event, cardholders who use Pudong Development UnionPay credit cards to take buses, subways, pay bills at the highway, ride bicycles, charge new energy vehicles and other services will have the opportunity to earn extra points. In addition to bonus points, there are also privileges such as refunds by swiping your card and discount coupons when taking public transportation.
The fourth level is to expand green scenarios to the field of car purchasing. Pudong Development Credit Card has keenly captured the rapid development of new energy vehicles and deployed green credit based on its traditional credit advantages. Users only need to purchase new energy vehicles specified by the car brand at cooperative car dealer stores to enjoy reduced fee discounts. This green credit
These five businesses, from card points rights to consumption discounts in different green scenarios, are multi-angle and multi-level, meet the actual needs of users, and continuously guide users to choose green through incentives. The low-carbon lifestyle shows their intentions.
Continuously enrich the "network" of green financial services and stimulate consumption potential.
It can be seen that Pudong Development Bank Credit Card is continuously enriching the service "touch points" of green finance.
This year, Pudong Development Credit Card also launched a series of green and low-carbon themed activities in conjunction with Earth Day and World Environment Day to continuously strengthen the guidance of cardholders’ green and low-carbon lifestyles. In addition, it also cooperates with merchant brands in high-quality business districts to carry out green consumption credit card refund activities, and cooperates with WeChat to launch the "WeChat Ride Privilege" activity, quietly injecting new trends into the development of the credit card industry.
According to the relevant person in charge of credit cards of Shanghai Pudong Development Bank, the subsequent card center will also plan to continue to launch green and low-carbon related businesses to make more business innovations for personal credit card accounts and consumption, which is worth looking forward to.
In fact, Shanghai Pudong Development Bank has always maintained a leading position in the fields of green finance and dual-carbon finance. From the launch of the first "carbon bond" in the domestic banking industry in 2014 to the completion of the first "CCER pledge financing business" in 2015, the carbon assets of small and medium-sized enterprises were revitalized; in 2016, it became the first "over-the-counter carbon derivatives clearing business" in China Clearing Bank" and issued the country's first "carbon-neutral related-linked loan" last year; especially last year, Shanghai Pudong Development Bank also launched a three-dimensional carbon account system for corporate and individual customers, which is an industry benchmark and helps the high-quality development of green industries. .
As a sub-department of Shanghai Pudong Development Bank, credit card is also a practitioner of financial innovation and a promoter of green and low carbon. At present, the "chemical reaction" between green low-carbon and credit cards has just begun. Under the top-level design framework of "Green Bank", Shanghai Pudong Development Bank conscientiously implements the principles and policies of green finance, puts customers at the center, and strategically plans the pace of transformation. Shanghai Pudong Development Bank will continue to seize the opportunity of the boom, deeply integrate into financial services that benefit the people, return to the origin of consumption, and contribute financial strength to the sustainable development of green and low-carbon undertakings.
Related questions and answers from Proofreader Wang Xin: Can Pufa Card be used to transfer funds only at the counter but not at the counter? Pufa Card can only be transferred at the counter but not at the counter 1. Online banking transfer 2. Log in to the bank’s official website and click Online Banking to log in; 3. Fill in Complete the login with the correct username and password; 4. Transfer money to the ATM machine; 5. Insert the bank card into the ATM machine and enter the password to log in; 6. Get back the transfer and remittance voucher and ID card. Shanghai Pudong Development Bank (referred to as: Pudong Development Bank or Shanghai Pudong Development Bank) was established with the approval of the People's Bank of China on August 28, 1992, opened on January 9, 1993, and was listed on the Shanghai Stock Exchange in 1999 (stock trading code: 600,000) national joint-stock commercial bank with its head office in Shanghai. At present, the registered capital is 29.352 billion yuan. With its good performance and reputation for integrity, Shanghai Pudong Development Bank has become a highly watched and respected listed company in China's securities market. Related questions and answers: Shanghai Pudong Development Bank credit card?
As a senior respondent in the credit card circle, first of all, congratulations to the respondent on getting his first credit card with a limit of 7,000, which is not low (the respondent’s first credit card limit back then was only 5,000, and it took 3 years to use it. Increase the amount and cancel the card in anger).
To answer your question briefly, there is no annual fee for this card in the first year. This "first year" refers to the billing year, not the calendar year. For example, if you open a card on December 1, 2019, then from now until December 1, 2020, in this complete year, no matter whether you swipe the card or not, there will be no annual fee.
Starting from the next year (calculated from December 2, 2020), every billing year, if you swipe your card no less than 6 times (no matter what type of card swipe, WeChat, Alipay, Huawei pay will count), you will be exempted. Annual fee for that year.
In fact, even if you do not make enough purchases 6 times that year, there is still a way to waive the annual fee. I will tell you how to waive the annual fee later.
The following is a more detailed answer, you don’t have to read it if you find it annoying.
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The credit cards of Shanghai Pudong Development Bank have always been a popular bank in the credit card circle. The credit cards they have produced have always been famous for their high credit limits, multiple points, rich activities, few card play restrictions, and generous prizes. They have always been very popular in the card circle.
I went to see the card you applied for. The main rights and interests are as follows:
One by one:
Credit line. No need to say it, everyone understands.
It should be mentioned here that credit cards are generally divided into regular cards, gold cards, platinum cards, and higher levels. For us, generally speaking, the maximum limit for ordinary cards is less than 20,000. Gold card costs 10,000-50,000. If you want a card with a limit of more than 50,000, it is best to apply for a platinum type card from the beginning to avoid the subsequent limit of the limit and the hassle of changing cards.
Withdrawal amount: 50. Normal to temporary quota. For example, your quota is 7,000. Sometimes, such as Double 11, it is not enough. You can apply for a temporary quota, which is generally valid for one month. What is the general temporary quota? It is 50 of your fixed quota, that is, 7000*50 = 3500. It is equal to an extra quota of ￥3500.
Annual fee: 180 yuan (waived for the first year, and waived for the next year after 6 purchases). As mentioned above, what is the first year and the second year? Anyway, the first year doesn’t matter. Starting from the next year, you can use WeChat, Alipay, and UnionPay QuickPass to count. Every time you swipe the card, any amount can be counted, even 0.01 yuan. Just 6 times is enough. It is recommended that you bind this card to WeChat and use it as your default payment card, so you don’t need to remember this.
Interest-free period: 50 days. If Brother Climbing doesn't talk about those formulas, he'll be dizzy. Just install the Shanghai Pudong Development Bank Credit Card APP and watch it remind you how many days before the payment must be made. The card you swiped today will have to be paid back in 50 days. Generally banks take 50-56 days. Not much difference.
Card attributes: Never mind, most cards these days are not that different from each other.
Finally, there are a series of so-called rights and interests. In fact, they have no impact on us, so we don’t need to worry about them. The first one is free of annual fees.
Enjoy the discounts of many merchants in Pudong Development Bank. On this point, Pudong Development Bank has many activities, especially points activities. Nowadays, almost all cards of Shanghai Pudong Development Bank give you 2 times the points for swiping the card (that is, if you spend 1 yuan, you get 2 points, while most other banks give you 1 times the points). Many merchants usually offer discounts, so pay more attention.
It is recommended that you download the official app of Pudong Development Credit Card.
Finally, let me tell you secretly how to waive the annual fee:
1. At the end of the year, you can call the Pudong Development Credit Card customer service and ask directly whether all the Pudong Development Cards in your name are The annual fee is waived when the number of card swipes is met. Customer service will tell you whether each card is satisfactory. Remember, it is most convenient and simple to call directly.
2. Check your bill regularly and if you find any annual fee expenses, call customer service immediately. Remember, call! ! ! The most convenient! ! ! You said that you forgot to swipe your card. Please make up the number of swipes this week, hoping to waive the annual fee. Customers can basically help you waive the annual fee, and then ask you to swipe 6 times within a month. Then you charge 6 phone bills immediately and you're done. This is what the card circle calls heart-to-heart talk
In short, if you don’t understand credit cards, you can send me a private message. I'll tell you everything.
I love life, I am Brother Climb~~Wow Kaka