How to check the credit limit when issuing a Shanghai Pudong Development Bank credit card? Learn about these credit limit inquiry methods

Some cardholders said that the Shanghai Pudong Development Bank credit card they applied for through Alipay was approved, and the bank sent a card approval SMS notification, but the credit limit was not mentioned in the SMS. When checking the progress of card application on the official website, it shows "Card Processing", so I want to know if I can still check the limit even if I don't get the card. The answer is yes. Let’s take a look at which of the many quota query methods is the most suitable.

As far as we know, there are many ways to check the credit card limit of Shanghai Pudong Development Bank. As long as you confirm that your credit card has been approved, you can check the specific card limit through the customer service phone, official website, mobile APP, etc., and the system The card has obviously been approved and is just waiting to be sent and collected.

Here are some common ways to query the limit:

1. Official website query: First log in to the official website of Shanghai Pudong Development Bank Credit Card, enter your credit card, login password, etc., and then click to enter the Credit Card Center , you can see your total credit limit, available credit limit, cash withdrawal limit, etc.

2. Customer service telephone inquiry: You can call the 24-hour customer service hotline of Shanghai Pudong Development Bank credit card at 400-820-8788. After entering the ID number according to the voice prompts, turn to 2, you can check the credit card limit. .

3. Xida Puben APP query: You can download the Shanghai Pudong Development Bank APP Xida Puben, enter your credit card and password to bind the card, and enter the credit card center to query the specific limit.

4. WeChat public account inquiry: Follow the "SPD Bank Credit Card" public account on WeChat, click "Card Application·Introduction"-"Card Open·Progress" on the menu bar, and bind your SPDB Credit Card , your credit limit will naturally be displayed.

However, there are so many methods for checking the credit limit. For situations where the card is being processed and the card has not been received, and it is impossible to know, there are only a few that can be applied. The most direct and effective method is to call the customer service number and transfer it manually. Customer service, ask customer service to help you check the limit.

Here’s how to check the credit limit after a Pudong Development Bank credit card has been approved

Yesterday, a high school classmate asked me that he had applied for a Pudong Development Credit Card, but he wanted to know the limit. How to check the credit limit of this Pudong Development Bank credit card? Today, I compiled this article for your reference only.

First of all, let’s first understand what is the credit limit of Pudong Development Bank?

The Shanghai Pudong Development Bank credit card limit refers to the maximum monthly consumption and cash withdrawal limit given to you by Shanghai Pudong Development Bank after comprehensive review based on the information you provided when applying. It is generally composed of a fixed limit and a temporary limit.

The other one is the available limit, which refers to the credit limit of the credit card that has not been used. The available limit will decrease with your card consumption and will be restored after you repay.

How to check the credit limit of Pudong Development Bank:

1. Dial the customer service hotline of Pudong Development Bank at 400-820-8788. After identity verification, follow the voice prompts to manual inquiry;

2. Log in to Pudong Development Credit Card Online Banking, select "Credit Card", enter the cardholder's account and password, and you can query;

3. Log in to Pudong Development Credit Card APP "Xida Pu Ben" and enter your credit card , click on the corresponding card to check the limit;

4. Pudong Development Credit Card WeChat public account, you can check it after binding;

In summary, this is the compiled Pudong Development Credit Card Here’s how to check your credit limit, I hope it’s useful to you.

Application for Pudong Development Credit Card

How to check the credit limit of Shanghai Pudong Development Bank

How to check the credit limit of Shanghai Pudong Development Bank:

1. Official website query:

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Operating environment:

Brand model: iPhone13

System version: iOS15.3

Baidu browser: v5.22.0.30

First use the Baidu browser app to log in to the Shanghai Pudong Development Bank Credit Card official website (), enter your credit card, login password, etc., then click to enter the credit card center, you can see your total credit limit, available limit, and cash withdrawal limit wait.

2. Customer service telephone inquiry: You can call the 24-hour customer service hotline of Shanghai Pudong Development Bank credit card at 400-820-8788. After entering the ID number according to the voice prompts, turn to 2, you can check the credit card limit. .

3. Xidapuben APP query:

Operating environment:

Brand model: iPhone13

System version: iOS15.3

App version: v7.1.5

You can download the Shanghai Pudong Development Bank APP Xida Puben, enter your credit card and password to bind the card, and then enter the credit card center to check the specific limit. .

4. WeChat public account query:

Operating environment:

Brand model: iPhone13

System version: iOS15.3

App version: v8.0.18

Follow the "SPD Bank Credit Card" official account on the WeChat app, click "Card Application·Introduction"-"Card Open·Progress" on the menu bar, and bind Your Shanghai Pudong Development Bank credit card will naturally show your credit limit.

1. What is the general credit limit of Shanghai Pudong Development Bank’s Platinum Card?

The credit limit of Shanghai Pudong Development Bank Platinum Card is more than 50,000 yuan, the limit of regular card is less than 10,000 yuan, and the limit of gold card is between 10,000 yuan and 50,000 yuan. Moreover, Shanghai Pudong Development Bank Platinum Credit Card has multiple card types, and their limits are also different:

1. Simple Platinum Card. As a card mainly for mass consumption, the Simple Platinum Card has a usage limit between 8,000 yuan and 50,000 yuan;

2. Standard Platinum Card. The limit of the standard platinum card is slightly higher than the former, with the limit ranging from 10,000 yuan to 50,000 yuan;

3. High-end platinum card and super platinum card. These two credit cards are only for users with high consumption needs and have very strict credit requirements. The minimum limit is about 50,000 yuan. There are also some available temporary limits, and the specific limit can reach hundreds of thousands or even millions.

2. How to increase the credit limit of Shanghai Pudong Development Bank Credit Card

1. Increase the fixed limit from the temporary limit

It is easier to increase the fixed limit after Shanghai Pudong Development Bank has raised the temporary limit. After a temporary payment is made, it will usually be upgraded to a fixed level after 6 months.

The Pufa Card generally uses 3 months to increase the temporary limit, but when repayment is required, the temporary limit must be paid off in full. In this way, a fixed amount can be raised, and the next temporary amount will be raised after 3 months.

2. Small-amount multiple card swipes

Compared with other banks, Pudong Development Bank also likes cardholders to make small-amount multiple transactions. It is very sensitive and very easy to use large-amount card swipes. It is controlled by risk, so try to avoid large amounts. It is best to have more than 20 card swipes per month. And these 20 transactions require points, both online and offline. Online purchases can be made on Taobao, Tmall, JD.com and other platforms. You can bind Alipay and WeChat offline, and paying by scanning the QR code to pay for purchases in stores is also considered offline consumption. You can make one large amount and leave the remaining small amount. If it is a small amount card, you can deposit a certain amount into the credit card. When using it as a large amount card, the one with points is best. It can be used online or offline for diversified consumption.

In addition, Pudong Development Bank likes cardholders to purchase high-end merchants offline, but be careful not to use jewelry. This is a merchant type that Pudong Development Group strictly controls, and many cards were frozen some time ago.

3. Installment increase

The lifeblood of Shanghai Pudong Development Bank lies in installment, which is the most important one! As long as you make installments, you will be given an increase, and the amount increase is related to the number of installments. No matter how much money you have, as long as you have an installment, Pudong Development Bank will give you an increase. However, it is best not to exceed 6 installments. In addition, you can also buy things in installments at the shopping mall in Xidapu Benli, and then pay in installments after buying, which is also conducive to increasing the limit, and this method is also very effective for opening and increasing the limit of Universal Cash.

4. Recruit diamonds and credit scores

Most of Shanghai Pudong Development Bank’s universal funds and quota quotas are based on the star diamond grade and credit score, which are the same as the star rating of Industrial and Commercial Bank of China. Yes, those with higher scores are the high-quality customers in the eyes of Pudong Development Bank. Platinum Star Diamond: Pudong Development Bank’s star diamond grading system is very simple. A consumption of 2,500 yuan is equivalent to 1 card star, and an installment principal of 100 yuan is equivalent to 1 card star. The first-time repayment bound to the Pudong Development Bank debit card and the monthly repayment exceed 5,000 yuan can get 1 card star. Credit score: Credit score is closely related to the limit of Universal Money. Maintain a good credit record.

5. Incremental consumption

For example, if you consume 20 of your quota this month and your application for a quota increase fails, try to spend 30 next month and apply again, and so on. Generally, if If you spend around 50 for 2 consecutive months, the bank will consider approving the limit increase. Friends who have repeatedly failed to mention it can give it a try.

6. Top-up consumption

When your card limit is relatively small, you can increase the limit by top-up. For example, if the card limit is 3,000, if the limit is not enough, you can use the card to increase the limit. Recharge 2,000 or other amounts in it, and then spend it after recharging. This is recharge.

7. Remember to issue bills with empty cards

Among all banks, Pudong Development Bank is more afraid of debts. Anyone who has had a credit report should find that Pudong Development Bank’s post-loan management is Most of them are available in other banks, which usually pay once every few months, but this time they pay once every one or two months. Therefore, Pudong Development Bank Credit Card needs to avoid issuing bills for empty cards. When you reach the number of purchases, the credit limit on the card may no longer be enough. At this time, you must remember not to issue a bill with an empty card. If you issue a bill with an empty card, it will have a great impact on the increase in the credit card limit. You can do this on the statement day. In the first two days, repay 30 to 50 of the total amount, which can reduce the debt.

How to check the credit limit after applying for a Shanghai Pudong Development Bank credit card?

Telephone inquiry: Call the 24-hour customer service hotline of Shanghai Pudong Development Bank Credit Card at 400-820-8788, and enter your ID number according to the voice prompts Go to 2 to check the credit card limit;

Mobile app query: You can download the official mobile banking app from the official website of Shanghai Pudong Development Bank and major mobile app stores, and bind your account after downloading. You can check your credit card limit;

Online banking query: If you have opened online banking at Shanghai Pudong Development Bank, you can use online banking to check your credit card limit in the credit card account details.

The Pudong Development Bank Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free.

Basic functions:

Pudong Development Credit Card has all the basic functions of a general credit card, including: you can spend money at more than 20 million merchants at home and abroad and withdraw cash at 840,000 ATMs. Global functions; you can consume first and repay later with an interest-free repayment period of up to 50 days; you can freely control the revolving credit function; you can use the supplementary card function to share it with your family.

RMB/USD dual-currency settlement

Shanghai Pudong Development Bank Credit Card is a credit card that is settled in RMB and USD respectively. When the cardholder uses the card within China, the payment will be settled in RMB; when the cardholder uses the card outside China, the payment will be settled in US dollars. After returning home, the cardholder can choose to return the overseas consumption amount in US dollars or RMB.

Globally applicable: This card is used at more than 20 million merchants around the world and can withdraw cash at more than 840,000 automated teller machines (ATMs) around the world.

RMB repayment for overseas consumption

There is no need to deposit any cash in advance. You can make purchases and withdraw cash within the credit limit, and experience an easy and advanced consumption method.

Interest-free repayment period: While experiencing a new life of spending and consumption, this card can also enjoy the interest-free repayment period for consumption. When making purchases with this card (excluding cash withdrawals), you can enjoy an interest-free repayment period of up to 50 days from the transaction date to the due repayment date. Cardholders only need to pay off the balance of the current period on their statement before the payment due date, and they do not need to pay interest on these purchases.

Minimum repayment amount: This card also provides minimum repayment amount treatment. The minimum repayment amount is the minimum amount that needs to be repaid every month. Cardholders can freely choose to repay in this way, which not only allows them to handle their own funds flexibly, but also reduces the pressure of repayment. (The minimum repayment amount and the interest-free repayment period cannot be enjoyed at the same time)

Revolving credit: After consumption or cash withdrawal, the available credit limit will be reduced accordingly, but after repayment, the credit limit will increase again Recover accordingly - this is the revolving credit function! You can decide the amount of consumption and repayment according to your own needs and financial situation. It’s easy to deal with and can save you from many repeated application procedures.

Withdraw cash: Use this card to easily withdraw cash up to the cash withdrawal limit at automated teller machines (ATMs) marked with the UnionPay logo in China and overseas with the VISA logo to meet emergency needs. (Withdrawing cash will not enjoy the interest-free repayment period and minimum repayment amount treatment)

Additional card: Apply for an additional card for your family. The supplementary card and the main card share the same credit limit, and all transaction details of the supplementary card are uniformly listed on the main card statement, so that the cardholder can keep track of the usage of the supplementary card.

How to check the limit of Pufa Credit Card

The primary purpose of applying for a credit card is to be able to overspend, which means that the credit card limit that is successfully applied for is the most concerned issue for card applicants. . The higher the credit card limit, the more purchases and consumption operations the cardholder can make. So, how to check the credit limit of Pudong Development Bank?

1. Cardholders can call the official customer service hotline of Shanghai Pudong Development Bank Credit Card. Then transfer to manual customer service to check your credit card limit.

2. You can also log in to the official website of Shanghai Pudong Development Bank Credit Card or use the official mobile banking app to make inquiries. Cardholders only need to log in and click to enter the credit card center.

3. Use the WeChat official account to make inquiries. Cardholders follow the Shanghai Pudong Development Bank's credit card official account, and then click on the card application recommendation - card binding red envelope. After completing the card binding operation, the limit can be checked.

3. But I have to say something. For users who have successfully applied for a card, if the card is frequently empty or frequently overdue, the card-issuing bank will also take measures to reduce the credit limit of the credit card.

The above is an introduction to how to check the credit limit of Pudong Development Bank. I hope the answer can help friends in need.

How to check the credit card limit of Shanghai Pudong Development Bank

After receiving the notification that the card has been mailed by Shanghai Pudong Development Bank, you can register for mobile banking and then check the credit card limit.

The steps are as follows:

1. Download Shanghai Pudong Development Bank mobile banking to your mobile phone and install it.

2. Open Shanghai Pudong Development Bank’s mobile banking, enter the mobile phone number filled in when applying for a credit card, and then enter the query password. Regardless of whether the card is opened or the query password is set, only 888888 can be entered here to activate.

3. Then enter the verification code on your mobile phone and you can successfully log in to mobile banking. The credit card limit and cash withdrawal limit will be displayed on the home page of mobile banking.

Extended information:

Quota increase:

1. Win the most times. Frequently use credit cards, no matter how big or small the amount is, as long as you can swipe the card, you will definitely use the card to spend money

2. The amount wins. It is best to generate monthly bill consumption that is at least 30% of the total amount.

3. Temporary quota increase. If you need to increase your quota due to short-term needs such as festivals, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.

4. Persevere.

If you continue to apply for a quota increase over the phone, sometimes different customer service applications will be handled differently.

5. Sleep pause. If you intend to deactivate a credit card for a certain period of time, banks will provide certain incentives for the activation of dormant cards, such as bonus increases.

6. Seize the opportunity. The timing of the raise is also important. It is most effective to apply on billing day or when your card has just been maxed out.

7. Continue consumption. The bills for card consumption must last for 3 consecutive months without interruption, that is, there must be consumption every month.

Basic functions

Pudong Development Credit Card has all the basic functions of a general credit card, including: you can make purchases at more than 20 million merchants at home and abroad and withdraw cash at 840,000 ATMs. Universal functions; you can consume first and repay later with an interest-free repayment period of up to 50 days; you can freely control the revolving credit function; you can use the supplementary card function to share it with your family.

RMB/USD dual-currency settlement

Shanghai Pudong Development Bank Credit Card is a credit card that is settled in RMB and USD respectively. When the cardholder uses the card within China, the payment will be settled in RMB; when the cardholder uses the card outside China, the payment will be settled in US dollars. After returning home, the cardholder can choose to return the overseas consumption amount in US dollars or RMB.

Globally applicable

This card is used at more than 20 million merchants around the world and can withdraw cash at more than 840,000 automated teller machines (ATMs) around the world.

RMB repayment for overseas consumption

There is no need to deposit any cash in advance. You can make purchases and withdraw cash within the credit limit, and experience an easy and advanced consumption method.

Interest-free repayment period

While experiencing a new life of spending and consumption, this card can also enjoy the interest-free repayment period for consumption. When you use this card to make purchases (excluding cash withdrawals), you can enjoy an interest-free repayment period of up to 50 days from the transaction date to the due repayment date. Cardholders only need to pay off the balance of the current period on their statement before the payment due date, and they do not need to pay interest on these purchases.

Minimum repayment amount

This card also provides minimum repayment benefits. The minimum repayment amount is the minimum amount that needs to be repaid every month. Cardholders can freely choose to repay in this way, which not only allows them to handle their own funds flexibly, but also reduces the pressure of repayment. (The minimum repayment amount repayment benefits and the interest-free repayment period benefits cannot be enjoyed at the same time)

Withdraw cash

You can use this card marked with the UnionPay logo domestically and the VISA logo overseas You can easily withdraw cash up to the withdrawal limit at the ATMs to meet your emergency needs. (Withdrawing cash will not enjoy the interest-free repayment period and minimum repayment amount treatment)

This is the introduction of how to check the Pudong Development Bank credit card limit.