How to query the credit card limit of Shanghai Pudong Development Bank:

1. Official website query:

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 official website of Shanghai Pudong Development Bank Credit Card (https://guan .wang/zhida/NDI0LDAsMA/), enter your credit card number, login password, etc., then click to enter the credit card center, you can see your total credit limit, available 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. 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 number and password to bind the card, and then enter the credit card center to check the details Quota.

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 the quota this month and your application for a quota increase fails, try to consume 30% next month and apply again, and so on. Generally, if the consumption reaches about 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.