What does the universal fund of Shanghai Pudong Development Bank mean?

Universal fund is a credit service launched by Shanghai Pudong Development Bank for credit card customers, which is to increase the cardholder's cash withdrawal limit without occupying the credit line of the card. In fact, it is a loan issued beyond the credit line. However, some PUFA credit card customers do not have universal money.

how to use the universal fund of Shanghai Pudong Development Bank Credit Card: users can withdraw it into the savings card of Shanghai Pudong Development Bank, and they need to go to the outlets of Shanghai Pudong Development Bank to handle the business, and then they can use it in the account. Users can withdraw it from other bank card accounts, and it will take 24 hours to take effect after they apply to the bank. Pay attention to the information sent by the bank after it takes effect. Banks encourage users to repay by installment, and users can choose installment as much as possible; If users want to repay in advance, they need to pay a corresponding proportion of liquidated damages.

The consumer reserve fund is the installment payment business provided by Shanghai Pudong Development Bank, which is mainly to meet customers' own consumption needs. Therefore, after successfully applying for the consumer reserve fund, we only limit our hand consumption (including but not limited to hand decoration, home appliances, weddings, car purchases, student travel, medical department stores, etc.). However, in real estate, stocks, futures, wealth management, equity investment and other non-consumption gains and losses, they cannot be used for production and operation to repay other debts and other non-consumption gains and losses, and they cannot engage in illegal activities such as illegal fund-raising, and they cannot withdraw cash or transfer money.

The reserve gold coin can only be RMB, and the application amount must be an integer multiple of 1 yuan, People's Republic of China, and the amount per leaflet should not exceed 1 yuan. If Tepudong Consumer Reserve Fund is used for limited purposes, Shanghai Pudong Development Bank has the right to terminate the reserve fund business ahead of schedule, and demand to pay off the installment balance in one lump sum. At the same time, Shanghai Pudong Development Bank has the right to refuse our application to handle this business again.

It is a very serious matter for Shanghai Pudong Development Bank to pass the certificate without uploading it. The bank itself requires the borrower to upload the consumption certificate, which is a kind of risk control measure of the bank, and it is used to detect whether the borrower has violated the rules in the loan amount. If the user fails to upload the consumption certificate within the specified time after receiving the notice from Shanghai Pudong Development Bank, Shanghai Pudong Development Bank has the right to require the borrower to repay all the arrears in advance, which will undoubtedly bring some repayment pressure to the borrower, and in addition, it will affect the user in Shanghai Pudong Development Bank.

There are three ways to use the universal fund of Shanghai Pudong Development Bank Credit Card

1. Users can withdraw the universal fund of Shanghai Pudong Development Bank into the savings card account of Shanghai Pudong Development Bank, and it will be received after the business is handled;

2. Universal funds can be withdrawn from other accounts of users, but it takes 24 hours for this business to arrive;

3. Users can submit relevant applications to Shanghai Pudong Development Bank. After using their credit cards, they can repay by installment.

that's how to use the universal fund of Pudong Development Credit Card.

how to repay the universal fund of Shanghai Pudong Development Bank

After the universal fund is processed, the installment principal and interest will be paid together with the credit card bill. If the user needs to repay the loan, he can directly repay it to the credit card according to the amount of the bill. If the user needs to repay the loan in advance, he chooses to pay the interest by sharing when applying. Although the interest of the account repaid in advance in the remaining installments can be exempted, the user must pay the remaining principal in one lump sum and 3% of the remaining undistributed cost as contract penalty, and the paid interest will not be refunded. If the user chooses to pay the interest in one lump sum when applying, the user must pay the remaining capital in one lump sum, and the paid interest will not be refunded, but the interest on the prepayment account in the remaining installments can be exempted.

Does the Pudong Development Bank Universal Fund occupy the credit card?

The Pudong Development Bank Universal Fund is a supplementary loan function of the credit card. The universal fund is applied within the available cash withdrawal amount of Shanghai Pudong Development Bank Credit Card, which means that the universal fund of Shanghai Pudong Development Bank is the applicant who occupies the original credit card amount. Once the application is successful and the Shanghai Pudong Development Universal Fund is used, the original credit card limit will be reduced accordingly. If the universal fund of Shanghai Pudong Development Bank is overdue, it is difficult to recover the credit card reduction. For users who apply for and use the universal fund, they must repay it in full and on time after using the universal fund, and there can be no overdue situation. In addition, the universal fund of Shanghai Pudong Development Bank can be repaid in advance.

the difference between Shanghai Pudong Development Bank's consumer reserve fund and universal fund

1. The main purposes are different: Shanghai Pudong Development Bank's consumer reserve fund is located in the consumption field, and the funds after the application is completed are only used for consumption, and it is not allowed to withdraw money or transfer money; The universal fund of Shanghai Pudong Development Bank is located in cash installment. After completion, the funds will be transferred to the personal savings card, which can be cashed out, transferred and used for consumption.

2. The interest for repaying the loan in advance is different: the consumer reserve fund can be voluntarily suspended from the relevant service consultation of Shanghai Pudong Development Bank Credit Card Center, but the remaining principal and service fees of all installments need to be paid in one lump sum, and the paid service fees will not be refunded; Shanghai Pudong Development Bank's universal fund application terminates the universal fund business process in advance. After the application is completed, 3% of the contract penalty will be deducted, and the installment fee will be deducted once and will not be refunded.

This article mainly writes about how to use the universal fund of Pudong Development Credit Card, and the content is for reference only.

how to repay the Pufa Universal Fund? More commonly used and convenient are these tricks

Pufa Universal Fund, which is actually a credit card loan product. Of course, you have to pay back the money after borrowing it from the bank. Then, what are the common and convenient ways to repay Pufa Universal Fund?

the repayment of Pudong Development Universal Fund is the same as the repayment of credit card bills. After the universal fund application is successful, the cardholder's cash installment quota will be frozen, repaid on schedule, and the quota will be restored one by one. In addition, you need to apply for the advance repayment of the universal fund. If you don't apply, you will pay the extra money, then this money will be regarded as an overflow deposit.

here are some commonly used and convenient repayment methods of Pufa Universal Fund:

1. Puda Daxi Ben APP

Pufa credit card holders can log in to Puda Daxi Ben APP, and then they can know the details of the current bill on the "My" page and make repayment. Among them, the repayment amount of each universal fund will also be recorded at the same time, the bill will be paid off, and the repayment of universal fund will be completed.

2. WeChat WeChat official account

pays attention to and binds WeChat WeChat official account "Shanghai Pudong Development Bank Credit Card", enters the repayment page in the menu bar of "Micro-service-installment-repayment", and completes the repayment operation according to the amount displayed in the bill.

In addition, the repayment of Pufa Universal Fund can also be made through the bank official website, and the cardholder can log in to the online banking account to operate the repayment; Open the automatic repayment function, bind a PUFA savings card to ensure that there is enough repayment amount in the savings card, and the banking system will automatically deduct it on the due repayment date, so that worry-free repayment can be realized.

Everyone can use the above methods to repay the Pufa Universal Fund. Whether to repay on time is related to the quality of personal credit information, and card friends must not be careless.

how to use the universal fund of Shanghai Pudong Development Bank

There is no provision for the use of the universal fund of Shanghai Pudong Development Bank. After receiving the account, you can use your credit card or withdraw cash for transfer, but you must use it according to the purpose agreed at the time of application. For example, Pufa Universal Fund can be used in decoration, home appliances, wedding, car purchase, student aid, tourism, medical care and other consumer fields. If Pufa Universal Fund is used for decoration reasons, it can only be used for decoration.

1. Many people will ignore the fund use of Pudong Development Universal Fund and use it in non-consumption areas such as production, operation and investment, such as stock trading, fund purchase, wealth management, and even repayment of credit cards. These banks will not support it, and don't take chances, thinking that banks will not check the fund use.

2. After all, as long as you apply for the Pudong Development Universal Fund, the bank must confirm the use of the cardholder's funds after the next payment, and usually ask the cardholder to provide the consumption voucher of the universal fund, including invoices, credit cards, receipts, transaction contracts, etc. It is important to match the use at the time of application.

3. Shanghai Pudong Development Bank will verify the consumption voucher provided, and compare the consumption time and the single transaction. If it doesn't match the number, it will be treated as an invalid voucher. The bank will regard the cardholder as not using the universal fund according to the specified purpose, and have the right to ask the cardholder to pay off the outstanding principal and installment fee in one lump sum, so never misuse the universal fund.

1. The conditions for applying for the universal fund of Shanghai Pudong Development Bank are as follows:

1. You must hold a credit card of Shanghai Pudong Development Bank and use it for more than half a year.

2. The credit card limit is more than 1, yuan, and it is actively divided into stages.

3. You must receive an invitation from Shanghai Pudong Development Bank.

second, how to apply for the universal fund of Shanghai Pudong Development Bank? There are mainly the following application methods.

1. Call the application hotline of Shanghai Pudong Development Bank Credit Card Center or the 24-hour customer service hotline to apply for cash installment business.

2. Log on to official website Online Account Service and apply for cash installment business.

3. Pay attention to and bind the official WeChat account of the credit card center "Shanghai Pudong Development Bank Credit Card Center" and apply for cash installment business.

4. Log in to the client of Shanghai Pudong Mobile Banking and select the "Credit Card" page to apply for cash installment business.

5. Log in to Pufa Credit Card APP "Pudaxiben" and apply for cash installment business.

6. Log in to the credit card cloud statement of Shanghai Pudong Development Bank and apply for cash installment business.

7. Log in to the Alipay service window of Shanghai Pudong Development Bank and apply for cash installment business.

3. How to calculate the interest on the universal fund of Shanghai Pudong Development Bank?

1. According to official website regulations of Shanghai Pudong Development Bank, take 1 yuan as an example. If you borrow 1 yuan and pay it back in 12 installments, you need to pay back 12x9.54＝186.48 yuan. In simple figures, the annual interest is 8.6 yuan, but 1 yuan is not lending you for one year, but paying it back monthly, so the interest will double and become 17.2 yuan.

2. If it is repaid in 36 installments, then it is 36x34.91＝1256.76, and the literal three-year interest is 25.67. Similarly, 1 yuan did not lend you three years, but you paid interest for 1 yuan for three years.

How to use the reserve fund of Shanghai Pudong Development Bank

How to use the reserve fund of Shanghai Pudong Development Bank: 1. The cardholder of Shanghai Pudong Development Bank can apply to the bank for consumption funds within the reserve fund.

2. After approval, the consumption funds will be transferred to the imprest account in the card. The imprest can only be used for online channels, but the cardholder can also continue to apply for imprest. With the use of Platinum Credit Card, you can swipe your card on the physical POS machine offline. 3. After using the reserve fund of Shanghai Pudong Development Bank, you can insert the Shanghai Pudong Development Bank credit card into the ATM machine, deposit cash into the card to repay, or transfer the loan through mobile banking or a third-party payment platform. After the repayment is successful, you will be prompted with information and restore the quota. At the same time, you need to pay attention to the repayment fee and repayment due time.

1. Can Pufa's universal fund be used casually?

1. There is no provision for the use of the Pufa Universal Fund. You can use your credit card or withdraw cash for transfer after receiving the account, but all of them should be used according to the purpose agreed at the time of application. For example, Pufa Universal Fund can be used in decoration, home appliances, wedding, car purchase, student aid, tourism, medical care and other consumer fields. If Pufa Universal Fund is used for decoration reasons, it can only be used for decoration.

There are also many people who will ignore the use of Pudong Development Universal Fund and use it in non-consumption areas such as production, operation and investment, such as stock trading, fund purchase, wealth management, and even repayment of credit cards. These banks will not support it, and don't take chances, thinking that banks will not check the use of funds.

2. after all, as long as you apply for the Pudong universal fund, the bank must confirm the use of the cardholder's funds after the next payment, and usually ask the cardholder to provide the consumption voucher of the universal fund, including invoices, credit cards, receipts, transaction contracts, etc., and it is important to match the use at the time of application.

Shanghai Pudong Development Bank will verify the consumption vouchers provided, and compare the consumption time and the single transaction. If it doesn't match the number, it will be treated as an invalid voucher. The bank will regard the cardholder as not using the universal fund according to the specified purpose, and have the right to ask the cardholder to pay off the outstanding principal and installment fee in one lump sum, so never misuse the universal fund.

This is the end of the introduction about how to use the universal credit card and how to return the credit card directly by accident with the universal credit card. Did you find the information you need?