Although Shanghai Pudong Development Bank also has overrun function, it is not opened by default. If you don't apply to the bank, you can't swipe the credit card limit after swiping the card. If it is necessary to enable the overrun function, the cardholder needs to apply to the bank. There are two channels. First, directly call Ren Xian 95528, the customer service of Shanghai Pudong Development Bank, and ask the customer service to help open it; First log in to Shanghai Pudong Development Bank and open online channels such as online banking. The overdraft function of Pudong Development Credit Card requires the cardholder to apply to the bank for opening. However, in view of the possibility of charging an over-limit fee after using the over-limit amount, we should not use it easily. If the quota is not enough, you can try to apply for a temporary quota, or improve the credit conditions so that the bank can voluntarily withdraw the quota.
1. The full name of Shanghai Pudong Development Bank is Shanghai Pudong Development Bank. 1992 was established with the approval of the people's bank of China on August 28th, and opened on October 9th. 1999 is listed on the Shanghai Stock Exchange with the stock trading code of 600000. Shanghai Pudong Development Bank is a national joint-stock commercial bank. Shanghai Pudong Development Bank is one of the top ten banks in China. In 20 18, Shanghai Pudong Development Bank ranked 70th in Forbes "Top 2000 Global Enterprises"; Ranked 25th among the "Top Global Banks 1000" of British bankers; The United States ranks 227th in the Fortune 500. In addition, Shanghai Pudong Development Bank is one of the few joint-stock commercial banks in China that have obtained investment grade and above ratings from the three major international rating agencies. 2065438+On June 26th, 2009, eight banks including Shanghai Pudong Development Bank launched the first batch of enterprise information networking verification systems.
2. Credit line refers to the credit line granted by the bank to its basic customers, that is, the enterprise can recover so much money within the specified time. For example, if an enterprise applies for an export documentary bill of US$ 2 million every year, it can use US$ 6,543,800,000 in five times (only one procedure is needed, and other procedures are simple). If you use it ten times, you can use 20 million dollars. On the one hand, it solves the short-term difficulties of enterprises, improves the speed of enterprises and improves the efficiency of capital use.
Can Pufa Credit Card exceed the limit?
The credit card of Shanghai Pudong Development Bank allows the cardholder to swipe the card more than 10% of the cardholder's credit limit, but a 5% overrun fee will be charged.
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Hello, Pufa Credit Card can be used over the limit.
The over-limit service provided by Shanghai Pudong Development Bank for cardholders is to temporarily facilitate customers and avoid the embarrassing situation of being unable to settle accounts. At present, the credit line of 10% is allowed to be overdrawn.
How to use Pudong Development Credit Card?
The credit card of Shanghai Pudong Development Bank allows cardholders to swipe their cards in excess of the cardholder's credit limit 10%. The overrun range of PUFA credit card is between 3- 10%.
Cardholders who use credit cards outside the credit line approved by the bank shall not enjoy the interest-free repayment period, but shall pay the interest and expenses of all overdraft debts during the period exceeding the credit line according to Party A's relevant regulations ... If Party B uses credit cards outside the credit line approved by Party A, it shall pay an overrun fee of 5% for the part exceeding the credit line.
If the cardholder fails to repay the excess debt before the expiration of the temporary credit limit, or exceeds the credit limit due to the interest and fees charged by the bank, it belongs to the use of credit cards beyond the credit limit.
Extended data:
According to the relevant regulations of the central bank, banks can control the maximum amount of credit card spending at 1 10% of the original amount. For example, if you have a credit card with a credit limit of 10000 yuan, you may spend as much as 1 1000 yuan directly on the credit card, and the bank may charge a certain percentage of the overrun fee if it exceeds the credit limit of 1000 yuan.
However, the credit card of China Merchants Bank cannot exceed the credit limit, which is very special. Therefore, there is no over-limit fee for China Merchants Credit Card.
When the cardholder's consumption limit is greater than the credit card issuance limit and it is necessary to temporarily increase the limit, you can call customer service to apply. The temporary increase of the limit is valid for two months, and there is still no over-limit fee, but the consumption limit exceeding the issuance limit needs to be repaid in the same month.
Reference: Baidu Encyclopedia-Credit Card Overlimit Fee
How much can the overrun function of Shanghai Pudong Development Bank be overrun?
The overrun function of Shanghai Pudong Development Bank can be within 10%.
Under normal circumstances, the bank will allow the appropriate limit to exceed the limit, and the general range will be controlled at about 5%- 10% of the original limit. Although the bank allows cardholders to spend more than the limit, the corresponding cardholders need to pay the handling fee for exceeding the limit.
There are many types of credit cards in Shanghai Pudong Development Bank, and the over-limit range is between 3- 10%. If the credit limit is exceeded, an overrun fee of 5% will be charged for the excess.
Credit card overdraft means that the cardholder can still use the credit card for consumption with the approval of the bank when the funds in the credit card account of the issuing bank are insufficient or no longer available. Credit card overdraft is essentially the consumer credit provided by the bank to the cardholder, that is, when the funds are insufficient, the cardholder is allowed to spend first, and then the cardholder makes up the funds and pays certain interest according to the regulations.
Overdraft cash withdrawal is a small cash loan provided by the bank to help you flexibly allocate funds when you are in urgent need. Generally speaking, you take a credit card from the bank and withdraw cash through the bank counter or ATM, which is a form of borrowing. If you spend money in a shopping mall, take a credit card directly. This is called overdraft consumption (interest-free period).
Overdraft can be repaid as you borrow, with daily interest, with a daily interest rate of five ten thousandths; No overdraft, no interest, no interest for repayment on the day of overdraft, and interest for as many days as overdraft.
Shanghai Pudong Development Bank (hereinafter referred to as Shanghai Pudong Development Bank or Shanghai Pudong Development Bank) is a national joint-stock commercial bank established with the approval of the People's Bank of China on August 28th, 1992. 19931October 9th, and it was successfully listed on the Shanghai Stock Exchange (stock exchange code: 600000). Its headquarters is located in.
In 20 18, Shanghai Pudong Development Bank ranked 70th in Forbes "Top 2000 Global Enterprises". The British "Banker" ranked 25th in the "Top Global Banks 1000"; America's Fortune 500 ranked 227th. Shanghai Pudong Development Bank is one of the few joint-stock commercial banks in China that have been rated as investment grade or above by three international rating agencies.
How to open the over-limit function of PUFA Credit Card? This method is more practical.
In order to facilitate cardholders' overdraft consumption, many banks will provide an overrun function, and cardholders can exceed the original limit by about 10%. However, different banks have different methods to open the over-limit function. Here, let's introduce how to open the over-limit function of Pudong Development Credit Card.
Although Shanghai Pudong Development Bank also has overrun function, it is not opened by default. If you don't apply to the bank, you can't swipe the credit card limit after you finish it. If you want to open the overrun function, you need the cardholder to apply to the bank. There are two channels. One is to directly call Renxian 95528, Pudong customer service, to transfer the manual service, and ask the customer service to help open it. One is the opening of online channels such as online banking of Shanghai Pudong Development Bank.
However, it should be reminded that many banks' over-limit services are not free. Metropolis will charge an overrun fee of 5% of the overrun amount, which will be paid off in one lump sum. You can't pay in installments or according to the minimum repayment amount, so there is still no need to open it.
If your credit card limit is not enough, it is better to apply for a temporary limit instead of turning on the overrun function. Although the temporary quota has a valid period, it can't be repaid by installments or the minimum repayment amount, but it's ok. If you are lucky, the quota will be higher than the over-limit quota.
However, neither the over-limit quota nor the temporary quota is as real as the fixed quota. Therefore, if you want the credit card limit to be sufficient, you'd better try to increase the fixed limit. If you want to increase the credit card limit of Shanghai Pudong Development Bank, it is best not to overdue and not to pay the minimum repayment frequently. It is only a matter of time before you use your card frequently and repay it on time.
In a word, the over-limit function of Pudong Development Credit Card requires the cardholder to apply to the bank for opening, but you may be charged an over-limit fee after using the over-limit amount, so you should not use it easily. It's just not enough places. You can try to apply for a temporary quota, or improve your credit conditions and let the bank take the initiative to increase the quota.
How much can the credit card of Shanghai Pudong Development Bank exceed the limit
1. Within 10%.
1. Under normal circumstances, the bank will allow an appropriate limit to exceed the limit, and the general range will be controlled at about 5%- 10% of the original limit. Although the bank allows cardholders to spend more than the limit, the corresponding cardholders need to pay the handling fee for exceeding the limit. Let's see how much the credit card of Shanghai Pudong Development Bank can exceed the limit.
Under normal circumstances, if it is overused, the excess part needs to be paid off in one lump sum in the next period, and it cannot be paid in installments. There are many types of credit cards in Shanghai Pudong Development Bank, and the over-limit range is between 3- 10%. If the credit limit is exceeded, an overrun fee of 5% will be charged for the overrun part, which is relatively high.
3. If it exceeds the limit, don't worry about having a bad credit record. As long as you pay back on time, it won't affect your credit history or anything else. Of course, it is not recommended to exceed the limit frequently. If the quota is not enough, you can call the banking service hotline to apply for increasing the temporary quota or fixed quota.
Second, credit card overrun related content
1. Credit card overdraft means that when the funds in the credit card account of the issuing bank are insufficient or no longer available, the cardholder can still use the credit card for consumption with the approval of the bank. Credit card overdraft is essentially the consumer credit provided by the bank to the cardholder, that is, when the funds are insufficient, the cardholder is allowed to spend first, and then the cardholder makes up the funds and pays certain interest according to the regulations.
2. Overdraft cash withdrawal is a small cash loan provided by the bank to help you flexibly allocate funds when you are in urgent need. Generally speaking, you take a credit card from the bank and withdraw cash through the bank counter or ATM, which is a form of borrowing. If you spend money in a shopping mall, take a credit card directly. This is called overdraft consumption (interest-free period).
3. Overdraft can be repaid by borrowing, with a daily interest rate of five ten thousandths; No overdraft, no interest, no interest for repayment on the day of overdraft, and interest for as many days as overdraft.
The introduction of the over-limit function of PUFA Credit Card is completed, and the over-limit function of PUFA Credit Card is completed. I wonder if you have found the information you need?