The way to apply for the credit card of Shanghai Pudong Development Bank is as follows:
1, online application:
Log in to Shanghai Pudong Development Bank Credit Card official website and choose to apply for a credit card online immediately; After filling in the information, submit the application online. Customers who apply for Pudong Development Credit Card for the first time need to activate it at Pudong Development Branch after receiving the card.
2. Offline applications:
Download the application form online and print it, or collect it from the business outlets of Shanghai Pudong Development Bank; Fill in the relevant personal data on the application form; After confirming that the information is correct, sign your name in the signature column; Attach the required documents according to the application prompt; Submit the application form to the designated business outlet of Shanghai Pudong Development Bank.
How to generate income by credit card:
Some people are shocked by the bank's high quota or interest-free period, and think that credit card is almost a "public welfare" cause. In fact, credit card is the most profitable cake for banks in traditional industries. Credit card business income comes from:
1. Annual fee (at present, banks with advanced business concepts have gradually given up this piece, which is in line with international practice)
2. Revolving interest (the annual interest rate is above 18%, which cannot be compared with any other business).
3. Credit card fee. The dispute between merchants and banks reported by the media a while ago is about this matter. Although the customer pays according to the marked price, the merchant has to pay the fees to the issuing bank, the acquiring institution and the settlement institution (collected by the acquiring institution). This is a big cake. Yongle home appliances complained that the bank's rate is equivalent to their gross profit, so the contribution of all customers of a bank adds up to be terrible.
International credit card organization:
It mainly refers to VISA and MASTER. In fact, they provide credit card settlement services, and Bank A issues cards. If Bank B in another country wants to collect money, it must be settled through the network of international credit card organizations. After long-term operation, the credit cards of these two institutions are almost universally used. There are other credit card networks that China people don't know much about, such as JCB and AE American Express. In fact, they are all networks operated by card issuers themselves.
Do you need a password:
Everything that comes to China will be characteristic of China. Therefore, after Guangfa, CCB also launched an international credit card using passwords.
In fact, credit cards are only used by signature, and merchants are obliged to check whether the signature is consistent with the back of the card before the transaction. In foreign countries, fraudulent use of credit cards is a criminal act, and businesses will call the police immediately when they find something wrong. Domestic businesses are not aware of this, and most of them will not check it.
So the bank said that in order to protect the rights and interests of consumers, the use of passwords should be promoted. In fact, using passwords only protects the rights and interests of banks. Any credit card charter will say that "any transaction using a password is regarded as the cardholder's authorization", that is to say, if someone steals your password (it is impossible to prevent password theft now), stealing or making a fake card is regarded as your authorization. Use only signatures. If you find unknown consumption, you can ask to sign a purchase order. If the certificate is not your signature, you can throw everything to the bank. Of course, you don't have to hand it in if you don't brush it. If the merchant does not verify the signature, let the bank ask the merchant for money.
How to handle the credit card of Shanghai Pudong Development Bank?
The credit card account opening method of Shanghai Pudong Development Bank is as follows:
1. Opening of business outlets
Cardholders can bring their ID cards, credit cards and other materials to the business hall of Shanghai Pudong Development Bank, submit the card opening application to the staff, fill in the application form, and set the password at the staff's prompt. You can open it after the setting is successful.
2. The customer service phone is on.
Cardholders can call Shanghai Pudong Development Bank Credit Card Center at 800-820-8788. After the phone is connected, follow the telephone voice prompt "credit card activation" function, and then follow the prompt to enter credit card, ID number and other related information to open it.
PUFA credit card introduction:
Pufa Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank, which enjoys various discounts and can also apply for photo cards for free.
The credit card repayment methods of Shanghai Pudong Development Bank mainly include the following categories:
1. Repayment at the issuing bank
This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Inter-bank transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
3. Online repayment, the common online platforms in China are: UnionPay Online, Kuaiqian, Shengfutong and Alipay. Choose different platforms and banks, and the charging standards and specific arrival time are different.
4. Convenience store repayment
In this way, the repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
5. Counter repayment
Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.
6. Payment by Xinfutong
"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.
7. repayment pass
Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.
8. Other repayment methods
In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.
How to apply for a credit card of Shanghai Pudong Development Bank?
At present, there are two ways to apply for the credit card of Shanghai Pudong Development Bank: online application and online application. I applied for a credit card online, so I know this application method better. The specific steps for applying for Shanghai Pudong Development Bank credit card online are as follows:
The first step is to open the homepage of search engine, enter Shanghai Pudong Development Bank and click Search.
Step 2: In the search results page that appears, identify official website of Shanghai Pudong Development Bank marked by official website, and click Enter.
Step 3: After successfully entering official website, click "Personal Bank" in the main menu bar, find "Pudong Credit Card" and click "Enter". How to click "Apply for Credit Card Now" in the upper left corner?
Step 4: Select a credit card application. It is suggested that the landlord must understand the types of credit cards of Shanghai Pudong Development Bank and find a credit card suitable for his own use.
Step 5: Next, you should fill in the relevant information according to the requirements of the page. Attention, be sure to fill it out carefully!
After successful submission, I will wait for the official staff of the bank to contact you. Under normal circumstances, as long as you meet the requirements of the bank, the bank staff will get the credit card soon after verification. It usually takes about 15 working days. I hope my answer can help the landlord!