It is different to replace an old Pudong Development Credit Card card with a new one. You can just open the card and use it directly. Everything will be naturally transferred to the new card. The contents of the old card will be transferred to the new card. It is just related The binding just needs to be reprocessed.

1. Cash withdrawal by credit card.

The current withdrawal limit of a credit card is generally 50% of the credit limit. Current withdrawals also require a handling fee. Generally, the handling fee is about 1% of the current withdrawal amount. You can limit the minimum amount and the maximum amount at the same time. Amount, and there is no interest return period. After interest is charged, an interest of 5% will be charged every day.

Second, the use of credit cards and precautions:

1. After receiving the credit card, you need to activate it first. If you apply for a credit card online, you can only activate it at a bank branch. If you apply for a credit card from a bank, you can activate it online. Cardholders can log in to the official website of the bank to which the credit card belongs, call the customer service number marked on the back of the credit card, or download the bank's mobile APP to open a card.

2. Ordinary credit cards will not be activated and no annual fees will be charged. High-end credit cards will not be activated and will charge a large annual fee. However, banks generally have a free annual fee policy. You need to ask the staff in advance. . To use a credit card, you usually go to a shopping mall to swipe the card, enter the password and sign. Do not lend the credit card to others. If others cause the credit card to become overdue, the bank will hold the cardholder responsible.

3. When using a credit card, do not spend blindly, but pay attention to your limit. If you feel that you are unable to repay, you need to stop consuming, otherwise the overdue payment will be recorded in the credit reporting system and future bank credit business will not be judged. On the credit card repayment date, the bank will give the cardholder a grace period of 3 to 5 days. Payments made within this period are not considered past due. After this period, once the loan is repaid, the bank will charge default interest and record credit information.

3. Overpayment for transfer.

An overpayment is the amount of money a cardholder pays when paying off a credit card.

This part of the money can be used for transfer, but it can only be transferred to the debit card of the same cardholder, and there will be a certain handling fee.

The main function is consumption overdraft, which cannot be directly transferred to a bank account. If you want to use a credit card to transfer a bank account, you can use the following methods, one is to transfer overpayment currency to a bank account, and the other is to withdraw money by credit card now.