Universal payment business is a micro-credit business based on the credit evaluation of credit card (personal card) holders or applicants, with credit card (personal card) as the carrier of payment or repayment.

The universal fund business is open to the screened high-quality customers, and the universal line is the credit line of cash installment repayment given by Shanghai Pudong Development Bank to eligible cardholders/applicants according to their credit evaluation.

The universal fund payment method is to transfer to the account with the same name provided by the customer. Among them, remittances below 40,000 yuan can be transferred to any customer account with the same name, and remittances above 40,000 yuan must be transferred to the customer's bank card account with the same name in Shanghai Pudong Development Bank. The repayment method of the universal fund is to repay the monthly bill through the credit card of Shanghai Pudong Development Bank. The use of funds is limited to personal consumption and may not be used for non-personal consumption purposes such as investing in stocks, funds and the property market.

Number of periods and commission rate of universal fund (total commission rate):

3: 2.7%, 6: 4.98%, 12: 9.57%, 24: 18.98%, 36: 29.35%.

Converted into the handling fee rate of each period, it is: 0.9% for the third period, 0.83% for the sixth period, 0.80% for 12 period, 0.79% for the 24th period and 0.82% for the 36th period.