How to use the credit card of Shanghai Pudong Development Bank
General usage of the credit card of Shanghai Pudong Development Bank:
Deposit is unprofitable
There is a charge for withdrawal
Credit card deposits have no interest, but withdrawal is charged. Not only is there a charge for overdraft withdrawal, but even the overpayment is charged, and the handling fee ranges from 1% to 3% of the withdrawal amount. Overdraft consumption does not mean overdraft withdrawal. Overdraft withdrawal not only has no interest, but also generates five ten thousandths of daily interest. If you have a lot of money at hand, don't deposit it in a credit card, because the bank will charge you a withdrawal fee when you want to withdraw cash, and the interest is much higher than buying things directly by credit card.
Expert advice: You can swipe your credit card, but don't use it as a debit card to withdraw money casually. The money in the debit card is your own money, which you deposited in the bank, while the money in the credit card is not your money at all, but the bank's money.
Taking out the balance
is regarded as taking the current account
I wanted to cancel my credit card, but I didn't want to, but was rejected by the bank on the grounds that "there is .8 yuan balance in the card", which made the cardholder feel puzzled: Where can I spend this 8 cents by credit card? Of course, at present, most banks can cancel credit cards with balances. However, if the cardholder wants to withdraw the balance in the card before canceling the card, it will be regarded as the current credit card, and a handling fee of .5% will be charged, with a minimum 5 yuan for each transaction and a daily interest of .5%.
experts suggest that if the balance in the card is small, you can give up the balance and cancel the credit card, which is more suitable than being charged by the bank for cash withdrawal.
there will be a penalty interest in full if the fraction is not paid
For consumers who have just used credit cards, many people seem to have no deep understanding of the penalty interest of credit cards. But Mr. Zhong has a deep understanding. Once in a furniture city, Mr. Zhong bought a leather sofa with a credit card, and the bill sent showed that the total amount was 17.6 yuan.
Mr. Zhong only paid back 1, yuan when he repaid the loan, thinking that the remaining few dollars would be paid back together with next month's bill. It's just that the interest and late payment fees that appeared on the bill later made Mr. Zhong puzzled. When he called the customer service of the bank, he realized that whether he owed 1 thousand yuan or 1 yuan, the bank calculated the penalty interest and late payment fee according to the total bill.
experts suggest that consumers should never ignore the outstanding balance when using bank credit cards without canceling the full penalty interest system, and would rather pay more than leave "outstanding balance". In addition, don't spend more than the limit, otherwise you will be charged "over-limit expenses".
bundling repayment
It's better to go to the counter in person
Many people will automatically link debit cards with credit cards for repayment in order to prevent them from forgetting to repay. However, related party transactions must be completed at least two days before the final repayment date, because it takes two days at the longest to verify the related function successfully, and you can't repay within these two days. If your final repayment date happens to be within these two days, you will fail to repay, even if there is enough balance in your debit card.
expert's suggestion: if it is convenient, you should go to the ATM or the counter to repay the money honestly!
There is an annual fee for inactive cards
Many banks stipulate that there is an annual fee for inactive cards, and some card types in a bank even stipulate that the annual fee for the first year can be waived only if the card is swiped once within two months from the date of approval. Note that it is the date when the card is approved, not the date when the customer activates the card. The problem is that the customer will not know the approval date until he calls.
experts suggest: don't apply for a card easily because of a small gift when you apply for a card, and don't apply for a credit card. If you don't use it, you must find out how to charge the annual fee, so as not to "open the card", and you will receive a bill at the end of the year, all of which will charge the annual fee for the credit card.
how to swipe the Pudong credit card when it is controlled by the wind?
Pufa Credit Card must be swiped in large supermarkets or shopping malls when it is controlled by the wind, which fully proves that individuals are using the card normally.
1. Reasons why credit cards are subject to bank risk control
1. There is another reason why credit cards are subject to risk control, that is, the bank risk control system automatically captures that your account is abnormal. If this is the case, you just need to contact the bank and change the account password.
2. Full repayment was made on the last repayment day, and all of them were brushed out at once. It's easy to say that there are many small amounts, but thousands of them are too obvious.
3. Always brush large _ integers, such as 5, 8 and 1, which are easily judged as cashing out by the bank's risk control system and controlled by the wind.
4. swipe your card during non-business hours, and you are still swiping your card at this point when the store is not open/closed. Irregular swiping time may easily lead to risk control.
5. The location of swiping the card jumped wildly. The first time I swiped the card in the three northeastern provinces, I was in Guangdong one hour later, which is also the focus of risk control.
second, the countermeasures taken after being controlled by the wind
1. Call the bank customer service immediately to learn the specific details of being controlled by the wind.
2. Complain to the bank and ask for the risk control to be lifted. Here are some tips:
(1) Express your anger in your tone, but it doesn't mean to make you scold. Don't forget your manners.
(2) Emphasize that you are spending normally, and explain the consumption process clearly, but the bank may ask you to provide proof of consumption.
(3) bills such as credit card receipts and invoices can be uploaded to the bank, so the receipt is very important in this regard. Usually, cardholders use POS machines with receipts to swipe their cards, and invoices can be said that merchants do not issue invoices at a discount and do not issue them.
3. It's best to set up installment business and earn some handling fees for the bank after finding out that it is under the risk control of the bank. After all, the bank will be more accommodating if it makes money.
It is recommended that you don't use up the credit card limit soon after returning the credit card in each period. This will easily be considered as a cash-out behavior. If it is recognized by the bank as a cash-out, your credit card may be permanently frozen. Although swiping more cards can make your credit card active, you should pay attention to the credit card limit in each period and don't blow up your credit card every time.
how to use the credit card swipe fee of Shanghai Pudong Development Bank
The rules for using the credit card swipe fee of Shanghai Pudong Development Bank are as follows:
1. The swipe fee is a reward right donated by the credit card center of Shanghai Pudong Development Bank to eligible cardholders (included in the account of the main cardholder), which can be used to deduct the transaction principal of new related transactions that occur when using the Shanghai Pudong Development Bank credit card (including the main card or its supplementary card) within the specified validity period.
second, the validity period of the credit card in the red envelope is within 6 days from the date when the user opens the red envelope. The credit card payment must be used within its validity period, and if there is any surplus after the validity period, it will be automatically invalidated.
3. The credit card payment will be deducted from the transaction principal amount on the second working day after the newly-added related transactions are recorded, and the cardholder still needs to repay the principal amount that has not been deducted.
4. If the cardholder has multiple credit cards under the same Pudong Development Credit Card, the multiple credit cards can be accumulated for the deduction of the transaction principal of the same transaction, and the credit cards with shorter validity period will be given priority.
the credit card payment shall not be cashed or transferred, and it will not affect the credit limit, available limit and account balance of the card, and it will only be used to deduct the transaction principal (only for consumption deduction, excluding cash withdrawal and installment transactions), and it shall not be used to deduct bank charges (including but not limited to interest, handling fees, late fees, etc.) and the due repayment amount.
5. For details of credit card balance and deduction, please visit the online account service on the website of Pufa Credit Card Center.
Pufa Credit Card Credit Card is a voucher presented by the event, which can be directly used for repayment and deducted from the corresponding amount of the account.
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, opened on January 9th, 1993, and successfully listed on the Shanghai Stock Exchange in 1999 (stock exchange code: 6). Its head office is located in Shanghai.
The total assets of Shanghai Pudong Development Bank increased from 8.75 billion yuan when it was first established in 1993 to 6,91.759 billion yuan at the end of June 218, an increase of 696 times; Operating income increased from 337 million yuan at the beginning of CCB at the end of 1993 to 168.6 billion yuan at the end of 217, an increase of 5 times; The net profit increased from 13 million yuan in 1993 to 54.24 billion yuan in 217, an increase of 416 times, and the compound annual growth rate was close to 3%.
how to use the credit card payment of Pudong Development Credit Card?
Pufa credit card is used in this way: log in to the "Pudaxiben" APP—-search for "credit card credit". When swiping a credit card, the system will deduct the credit card credit first, so as long as you swipe your card normally, your credit card credit will be used up. Pufa credit card payment can be used to deduct the principal amount of credit card transactions. In addition, the credit card payment has a time limit and needs to be used as soon as possible. After the expiration, it will be gone.
1. Pudong Development Credit Card is actually an activity reward. Like all kinds of vouchers, it cannot be used directly, but it can be used to deduct the transaction amount.
2. After the cardholder reaches the standard after participating in the activity, the credit card payment will be returned to the credit card account, which is equivalent to overpayment. If the credit card has arrears, the credit card payment can be deducted. If there is no amount owed, then the cardholder will deduct the credit card amount first and then deduct the money from the credit card amount.
3. It should be noted that the credit card payment returned by different activities has different service life and channels. However, generally, after obtaining the credit card payment, the bank will send relevant SMS notification, telling the validity period of the credit card payment, where it can be used, and the rules for using it.
1. The product service system of Shanghai Pudong Development Bank Credit Card Center includes: Pufa Dream Card, a credit card product that can be customized by users; Cooperate with popular institutions and brands at home and abroad such as the Forbidden City, Barcelona Football Club and Pig Xiao Pi, and launch joint-themed credit card products in cooperation with industries such as aviation, hotel, department store, communication and Internet platform; Jointly issue high-end card products with rich rights and interests with VISA, American Express, mastercard international and other domestic and foreign card organizations.
2. The Credit Card Center of Shanghai Pudong Development Bank (hereinafter referred to as "Shanghai Pudong Development Bank") was established in January 24, and it is a direct operating institution established by Shanghai Pudong Development Bank specializing in credit card business. The Credit Card Center of Shanghai Pudong Development Bank launched credit card discount platforms such as "Dream Family Club" and "Xiaopu Huihua", and launched market activity systems such as red envelopes, movies, miles and hotels. Shanghai Pudong Development Bank Credit Card provides mobile service platforms such as Pu Daxi Ben APP.
operating environment: vivo mobile phone: y938.1. Pudong Development Bank: v11.2.
How to draw 3, yuan from Pudong Development Bank Credit Card?
If you want to make the following points, you must pay attention to
1. The card must be used for at least 6 months
2. You should swipe more than 1 times a month, both large and small! Brush more pos machines with high handling fees. Don't empty the card quota every time, only use about 7%.
3. Pay back on time, as soon as the bill comes out, or pay it back in a few days after it is swiped out
4. Make one or two installments appropriately
5. You can deposit more money in it this month and swipe it next month
6. You can buy more things in the credit card mall of Shanghai Pudong Development Bank
7. Occasionally, the balance of swiping your card is insufficient! Don't always leave the card empty, the balance is about 3%!
One purpose of the above methods is to show the credit center of the bank card that you are rich. The system feels it, and borrowing money is not a problem!
To tell you the truth, the universal card is linked with Star Diamond. I started with 23, cards in 14 years, and accelerated the integration of Platinum cards. The accumulated current limit is 17 million, with 15, funds. It is king to make money by stages, and 7% of other cards are all bullshit. Pudong Development Bank pays attention to your work unit and education. These
The universal card of Shanghai Pudong Development Bank was relatively easy to pay out a few years ago, and some of them were lower. As long as we usually grasp multi-merchants and multi-industry credit cards, there is a 2% quota in the card, which is generally available. Since the second half of last year, the new version of Pudong Development has reduced the quota for universal funds, making it more difficult. Relatively speaking, Puda's life is divided into stages. As long as you let the bank make more money, he will give you fixed and universal money. Can Pufa pay universal gold and fix a quantified value as the star diamond value? Open Puda Daxiben APP and enter my Dreamer Club. You can see the star diamond value, and you can only have it when it reaches platinum diamond. From it, it can be seen that the fastest improvement of the star diamond value is to do more staging, so that the bank can benefit more and naturally give you a quota!
Wang Long, Director of Operations of Suzhou Xuexin Financial Information Service Co., Ltd. First of all, your credit card limit must be around 2,, so there may be 3, universal funds. Secondly, if the card is used for a long time and there is no universal money all the time, there will basically be no universal money. The first element of universal money is that there is no minimum repayment and no overdue record. Secondly, the average utilization rate in the last six months should not be greater than 7% of the credit card limit, and the bills should be mainly small, and the monthly large consumption should not exceed three. Under normal circumstances, platinum diamond customers will have a quota, and it is not necessarily whether there is 2,. If the card is in good condition, Golden Diamond and even ordinary customers have a universal gold limit. So it doesn't have much to do with the star diamond grade. Founded on November 18th, 217
The interest rate of Universal Cash is too high, so we still use CITIC Express. Generally, from May to August every year, the interest rate will be discounted, which is about 5%. If you apply for a Zhang Zhongxin card, you'd better go to shopping malls like wanda plaza, Yaohan and Parkson for normal use, and it won't be long before the bank will send you a text message to set the quota.
Today, let's talk about the amount and amount of Pudong Development. Pufa evaluates the amount of money raised and the amount of universal money paid to customers, which is naturally a high-quality customer. To judge high-quality customers is to look at the grade and credit score of Star Diamond. First, the star diamonds are set to platinum diamonds. 1. There are points to spend every 25 yuan =1 card star to brush the star diamonds. It seems that the operation is very simple and the effect is very effective, reaching 15 stars to become platinum diamonds. For example, if you want to get a platinum diamond in two months, how much do you need to brush it? 2515=375。 It is impossible to swipe so many cards normally, so this method is not suitable for the public. If we follow this method and calculate according to the rate of 6 ‰, the contribution will be 225 yuan. 2. The installment principal per 1 yuan =1 card star. If the installment method is followed, it will cost 15, yuan. If it is divided into 6 months, it will cost 15,.78% 6 = 72 yuan. It is not cost-effective to collect stars simply by swiping the card; It is feasible and cost-effective to collect stars by stages alone. Of course, the combination of credit card and stages is the best. The cost is about 7 yuan, and it is about 1 yuan every month, so it is feasible to improve the credit score and increase the amount. 3. Binding the automatic repayment function of Pudong Development Debit Card for the first time and having successful repayment =1 card star; 4. The monthly automatic repayment of Pudong Development Debit Card exceeds 5, yuan =1 card star; 5, registered as a partner for the first time and successfully recommended a new household =1 card star; 6. bind app=1 card star for the first time; 7, the first binding fast payment and consumption =1 card star; 8. Excellent monthly credit score =1 card star. Second, the credit score is more than 76. Pudong Development Bank, China Merchants Bank, Bank of Communications, Guangfa, etc. have all launched credit scores, and the credit score of Pudong Development Bank is still easy to get. First of all, it is not difficult to say how to get points for credit. The methods are as follows: 1. More credit cards, online and offline, all kinds of merchants must have, 15 or more in one month; 2. Download Xida Puben APP.