The Pudong Development Bank Credit Card Universal Gold always shows that it is being upgraded. It means that the product is being upgraded. You can apply after the upgrade is completed.

Banks are all mainframe backends, with multi-line parallel processing.

The test can be tested online in the background, and jointly debugged and tested in multiple places. It will not be officially launched until it is basically correct, so please wait patiently.

Extended information:

Wanyongjin is a business launched by Shanghai Pudong Development Bank Credit Card. The so-called universal loan is a small-amount loan in which a line of credit is used instead of a line of credit.

The Universal Money cannot be withdrawn directly in cash, but must be transferred to the applicant's debit card first.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. Shanghai Pudong Development Bank's "Wanyongjin" personal credit business relies on credit cards and increases the cardholder's cash withdrawal limit without occupying the credit limit.

Wanyongjin business has two main selling points. First, compared with credit card cash withdrawals, the interest rate is lower and is equivalent to the interest rate of personal consumption loans. Second, there are almost no restrictions on the use of funds, and users can use them as they please.

Reference: Wanyongjin—Shanghai Pudong Development Bank Credit Card Center