The Shanghai Pudong Development Bank credit card universal gold business is a small loan in disguise that replaces the credit limit with a credit limit.

The Universal Money cannot be withdrawn directly in cash, but must be transferred to the applicant's debit card first. It is essentially a credit loan, and the credit card limit is approved by the credit card department. The universal limit is not included in the credit limit. It exists in the form of a loan and is a credit limit issued based on a credit card. The review of the credit limit is generally determined by the credit department.

Pudong Development Bank’s Universal Gold is based on a credit card and is an installment loan beyond the limit of Pudong Development Bank’s credit card. Cardholders can submit an application to Shanghai Pudong Development Bank, and after you swipe the card, you can repay it in installments.

Shanghai Pudong Development Bank has clear regulations on the use of Wanyong Gold. Cardholders must keep the relevant consumption vouchers for cash payments so that the Shanghai Pudong Development Bank Credit Card Center can access them at any time to check where the funds have gone.

It clearly stipulates that Wanyong Gold can only be used for consumption, including but not limited to decoration, weddings, car purchases, home appliances, weddings, student aid, travel, medical care, etc.; it cannot be used for investment, including stocks and futures. , house purchase, and other equity investments, etc.