How to use Pudong Development Bank credit card swipe funds

The rules for using Pudong Development Bank credit card swipe funds are as follows:

1. Card swipe funds are provided by the Shanghai Pudong Development Bank Credit Card Center to qualified customers. A kind of reward rights (included into the account of the main card holder) given by Pudong Development Credit Card holders, which can be used to offset new related transactions that occur using Pudong Development Credit Card (including the main card or its supplementary card) within the specified validity period. trading principal.

2. The credit card credit in the red envelope is valid for 60 days from the date the user opens the red envelope. The card credit must be used within its validity period. If there is any remaining balance after the validity period, it will be automatically invalidated.

3. The card payment will be deducted from the principal amount of the transaction on the second working day after the new relevant transaction occurs and is recorded in the account. The cardholder still needs to repay the undeducted principal amount. .

4. If the cardholder has multiple credit card charges under the same Pudong Development Bank credit card, the multiple card credit credits can be used cumulatively to deduct the transaction principal of the same transaction, and the validity period will be used first. More recent credit cards.

Card swiping funds cannot be cashed or transferred, and do not affect the credit limit, available limit, account balance, etc. of the card, and are only used to offset the transaction principal (only used for consumption deductions, excluding cash withdrawals and installments) transactions) and cannot be used to deduct bank fees (including but not limited to interest, handling fees, late fees, etc.) and due repayments.

5. To inquire about the card balance and deduction details, please log in to the online account service on the Pudong Development Credit Card Center website.

The Pudong Development Credit Card Swipe Bonus is a kind of voucher given during the event, which can be directly used for repayment and offset the corresponding amount in the account.

Shanghai Pudong Development Bank (referred to as: Pudong Development Bank or Shanghai Pudong Development Bank) was established with the approval of the People's Bank of China on August 28, 1992, opened on January 9, 1993, and was listed on the Shanghai Stock Exchange in 1999. A national joint-stock commercial bank successfully listed on the stock market (stock trading code: 600000), with its head office in Shanghai.

The total assets of Shanghai Pudong Development Bank increased from 8.75 billion yuan when it was first established in 1993 to 6,091.759 billion yuan at the end of June 2018, an increase of 696 times; operating income increased from 337 million yuan in late 1993 when the bank was founded. It increased to 168.6 billion yuan at the end of 2017, an increase of 500 times; net profit increased from 130 million yuan in 1993 to 54.24 billion yuan in 2017, an increase of 416 times, with an average annual compound growth rate of nearly 30.

How to activate Shanghai Pudong Development Bank credit card? There are many ways for your reference

1. If you apply for a credit card through the staff of Shanghai Pudong Development Bank, you have already entered your ID card and other information when applying for the card. After receiving the credit card, use it to reserve it at the bank. You can activate it by dialing the bank's mobile phone number. This is the simplest method.

2. If you apply for a credit card through the official website of Shanghai Pudong Development Bank, or by calling a bank credit card salesperson, you can only activate the credit card at a Shanghai Pudong Development Bank outlet.

3. Bring your ID card and Shanghai Pudong Development Bank’s credit card to your nearest Shanghai Pudong Development Bank branch;

4. Tell the bank lobby manager that you are here to activate your credit card, and then Give him your ID card, and he will help you get a number, and then start queuing;

5. After it is your turn, the bank's number calling system will call you to the window number, put your ID card, inactive Give your credit card to the bank staff at the window and tell him that you want to activate the credit card business;

6. The staff at the bank window will take photos of you and copy your ID card. After the activation is completed, you sign, get your ID card and credit card back and you are good to go. The entire activation process takes about 5 minutes.

How to activate a Shanghai Pudong Development Bank credit card

A Shanghai Pudong Development Bank credit card can not only be activated at a branch, but can also be activated online. If you are applying for a Shanghai Pudong Development Bank credit card online for the first time, you must go to a bank branch to activate it.

If you apply for a Shanghai Pudong Development Bank credit card through offline channels such as branch counters or salespersons, or if you already hold a Shanghai Pudong Development Bank credit card, you can apply online for the second time without going to the branch to activate. Customer service phone activation, short-term activation, or online banking activation can be used , counter to activate.

Types of credit card products

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, groups and other legal entities.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide. The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

How to use Shanghai Pudong Development Bank Credit Card

General usage of Shanghai Pudong Development Bank Credit Card:

No profit for deposits

There is a fee for withdrawals

There is no interest on credit card deposits, but there are fees for withdrawals. Not only are there fees for overdraft withdrawals, but also for overdraft withdrawals. The handling fee ranges from 1 to 3% of the withdrawal amount. Overdraft consumption is not the same as overdraft withdrawal. Not only is overdraft withdrawal not interest-free, but it will also generate interest of 0.5% per day.

If you have a lot of money on hand at the moment, don't deposit it into a credit card, because if you want to withdraw cash one day, the bank will charge you a cash withdrawal fee, and the interest rate is much higher than paying directly with a card to buy things.

Expert advice: You can swipe your credit card, but never use your credit card as a debit card to withdraw money. The money in the debit card is your own money, which you deposit in the bank, but the money in the credit card is not your money at all, it is the bank's money.

Withdrawing the balance

It is considered a cash withdrawal

I wanted to cancel the credit card, but was rejected by the bank on the grounds that "there is still a balance of 0.8 yuan in the card" , which puts cardholders in a difficult position: where can they spend the 80 cents by swiping their cards? Of course, most banks can cancel credit cards with balances at present, but if the cardholder wants to withdraw the balance in the card before canceling the card, it will be regarded as a credit card withdrawal, and a handling fee of 0.05% will be charged, with a minimum of 5 yuan per transaction. Bear interest of 0.05% per day.

Expert advice: If the balance in the card is very small, you can give up the balance and cancel the credit card. This is more appropriate than being charged a cash withdrawal fee by the bank.

Any remaining balance will be penalized in full

For consumers who have just used credit cards, many people do not seem to have a deep understanding of credit card penalty rates. . But Mr. Zhong understands it deeply. Once in a furniture store, Mr. Zhong used his credit card to buy a set of leather sofas. The bill sent showed the total amount was 10,007.6 yuan.

When Mr. Zhong repaid the loan, he only paid 10,000 yuan. He thought that the remaining few yuan would be paid off with next month's bill. It was just the interest and late payment fees that appeared on the bill later that left Mr. Zhong confused. When he called the bank's customer service, he learned that no matter whether he owed 10,000 yuan or 1 yuan, the bank calculated penalty interest and late fees based on the total amount of the bill.

Expert advice: When using a bank credit card that does not cancel the full penalty interest system, consumers must not ignore the unpaid balance. It is better to pay more than to leave an "unpaid balance". In addition, do not exceed the limit, otherwise you will be charged "over-limit fees".

Bundled repayment

It is better to go to the counter in person

In order to prevent forgetting to repay, many people will automatically link their debit cards with credit cards for repayment. However, related transactions must be completed at least two days before the last repayment date, because it takes up to two days to successfully verify the related function. Repayment cannot be made within these two days. If your last repayment date happens to be within these two days, you can Repayment will fail, even if there is sufficient balance in the debit card.

Expert advice: If it is convenient, you should go to an ATM or counter to repay the money by yourself!

Unactivated cards

An annual fee will also be charged

Many banks stipulate that even if the card is not activated, an annual fee will be charged. Some banks even require approval for some card types. The card must be swiped once within two months from the card date to be exempted from the first-year annual fee. Note that it is the date the card is approved, not the date the customer activates the card. The problem is that the customer will not know the approval date unless they call to ask.

Expert advice: Don’t apply for a card easily just because of the small gift when applying for the card, and don’t apply for a credit card but don’t use it. If you don’t use it, be sure to find out how to collect the annual fee, so as not to “open the card” at all. As a result, I received a bill at the end of the year, which was all for the annual credit card fee.

How to activate Shanghai Pudong Development Bank Credit Card with your mobile phone

You can activate the credit card through the WeChat public account "Shanghai Pudong Development Bank Credit Card". The specific steps are as follows:

1. Open WeChat , search for "SPD Bank Credit Card", find the official account, and click to enter, as shown in the figure below.

2. Click "Follow Official Account", as shown in the figure below.

3. Enter the official account, click "Card Application Recommendation" in the lower left corner, and select "Card Application Progress", as shown in the figure below.

4. Select "Credit Card Activation" in the pushed message, as shown in the figure below.

5. Enter the credit and click "Next" to activate, as shown in the figure below.

How to use the credit card of Pudong Development Credit Card?

How to use Pufa Credit Card: Log in to the "Puda Xiben" APP - search for "Card Credit". When you swipe your credit card, the system will deduct the credit first, so as long as you swipe your card normally, your card credit will be used. Lose. The Pudong Development Bank credit can be used to deduct the principal amount of credit card transactions. In addition, the card credit is time-limited and needs to be used as soon as possible. It will be gone after expiration.

1. Pudong Card Credit is actually a kind of activity reward. It has the same nature as various discount coupons. It cannot be used directly, but it can be used to deduct the transaction amount.

2. After the cardholder participates in the activity and reaches the standard, the card swipe fee will be returned to the credit card account, which is equivalent to an overpayment. If there is a debt on the credit card, the card swipe fee can be used to offset the amount of the debt. . If there is no outstanding amount, then the cardholder's credit card transaction will first deduct the credit card amount, and then deduct the money from the credit card limit.

3. It should be noted that the credit card fees returned for different activities, the period of use, and the usage channels are different. However, generally after receiving the card credit, the bank will send relevant SMS notifications to inform you of the validity period of the card credit, where it can be used, and the rules for its use.

1. The product service system of Shanghai Pudong Development Bank Credit Card Center includes: a credit card product that can be customized by users - Pudong Development Dream Card; cooperation with popular domestic and foreign institutions and brand IPs such as the Forbidden City, Barcelona Football Club, and Zhuxiaofi , cooperates with the aviation industry, hotel industry, department store industry, communications industry, Internet platform and other industries to launch co-branded theme credit card products; jointly issues high-end cards with rich rights and interests with VISA, American Express, MasterCard International and other domestic and foreign card organizations product.

2. The Credit Card Center of Shanghai Pudong Development Bank (referred to as "Shanghai Pudong Development Bank") was established in January 2004. It is a direct operating institution established by Shanghai Pudong Development Bank that specializes in credit card business. The Shanghai Pudong Development Bank Credit Card Center has launched "Dream Xiangjia Club", "Xiao Pu Huihua" and other credit card discount platforms, and launched a marketing activity system such as red envelopes, movies, miles, and hotels. Shanghai Pudong Development Bank Credit Card provides mobile service platforms such as Pudong Xiben APP.

Operating environment: vivo mobile phone: y938.1.0 Pudong Development Bank: v11.2.0

This ends the introduction on how to use Shanghai Pudong Development Bank credit card and how to use WeChat payment with Shanghai Pudong Development Bank credit card. Don't know if you found the information you need?