What is the general credit card limit of Pudong Development Bank?

The limit of regular card is 1,000-10,000, the limit of gold card is 10,000-50,000, and the limit of platinum card is more than 50,000 yuan. The specific amount of credit an applicant can receive is determined by Shanghai Pudong Development Bank after reviewing the applicant's information.

There is a platinum card with a minimum of 2,000 at Shanghai Pudong Development Bank. The Standard Platinum Card can enjoy airport VIP lounges, high-speed rail VIP lounges, bank VIP services (swipe your VIP number), complimentary high-value aviation accident insurance, no-appointment and no-queue physical examinations at top-level hospitals, discounts at preferential merchants, points redemption for mileage, and free car assistance. At the same time, the credit limit is higher than that of ordinary credit cards (usually starting from 10,000 yuan), which is a symbol of status.

1. When filling out the application form, there are several small details that affect the credit limit, such as whether there is a fixed phone number in this city and whether the number is registered in your own name or the name of a family member. , whether you are married, whether your mobile phone number has monthly rent, whether it is a registered residence in this city, etc. If the answer to the above is yes, the bank will greatly increase the credit evaluation accordingly. However, each condition is not absolute. It is just that it is relatively easy to pass the qualification review and increase the initial consumption limit application. Consumer credit and repayment credit are still the same as the bank Most important.

2. Don’t forget to swipe your card anytime, anywhere. During the period of using the card, make a lot of purchases with the card. Try to choose stores with credit cards for food, clothing, housing and transportation. The more frequently you use it, the more stable your monthly consumption limit will be. Just change the original habit of cash consumption to credit card consumption. This shows loyalty to the bank. The bank's information system will count the frequency and limit of credit card swiping, and will automatically increase the credit limit in about half a year.

3. Pay your bills on time and maintain good credit. If you owe money, you must repay it, and only when you exchange it can you borrow money. Banks also strictly follow this ancient truth. If you don't change the payment on time and don't pay it back, you will definitely have no credit. It's best to pay it back in full instead of just the minimum payment. The recurring interest will make you unable to bear it.

4. Take the initiative to apply for an increase in your credit limit. After using the credit card normally for half a year, you can actively submit a written application or call the service to adjust the credit limit. The bank needs approval. Under normal circumstances, the credit limit will be increased to a certain extent after reviewing the consumption record and credit record.

What is the general credit limit of Shanghai Pudong Development Bank?

1. Ordinary card level. The initial limit range of Shanghai Pudong Development Bank's credit card general card level is generally between 1,000 yuan and 10,000 yuan.

2. Gold card level. The initial limit of the gold card of Shanghai Pudong Development Bank Credit Card will be relatively high, generally between 10,000 yuan and 50,000 yuan.

3. Platinum card level. The initial limit of Shanghai Pudong Development Bank's platinum credit card is generally more than 50,000 yuan.

4. High-end platinum card level. High-end Platinum Card, commonly known as Da Platinum. The initial limit of Pudong Development Bank’s high-end Platinum Credit Card is generally more than 100,000 yuan, with a maximum of no more than 500,000 yuan.

5 However, credit cards are determined according to each person’s situation. Each use situation and situation are very different, so the limit given by the bank may also be different. It depends on how the bank evaluates the urgent repayment. capabilities and spending power.

6 If this is the first time you apply for a Shanghai Pudong Development Bank credit card, the credit limit is generally around 5,000 yuan. The better the applicant’s personal credit, the higher the credit limit approved by the bank. If the credit limit is not enough, use a period of After that time, you can apply to the bank for an increase.

: 1. Official website query: First log in to the official website of Shanghai Pudong Development Bank Credit Card, enter your credit card, login password, etc., then click to enter the credit card center, you can see your total credit limit and available limit, cash withdrawal Quota, 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. Xida Puben APP query: You can download the Shanghai Pudong Development Bank APP Xida Puben, enter your credit card and password to bind the card, and enter the credit card center to query the specific limit.

4. WeChat public account inquiry: Follow the "SPD Bank Credit Card" public account on WeChat, click "Card Application·Introduction"-"Card Open·Progress" on the menu bar, and bind your SPDB Credit Card , your credit limit will naturally be displayed.

The Taobao membership credit card limit of Pufa Dream Card

The Taobao membership credit card limit of Pufa Dream Card is generally between 10,000 and 50,000, subject to the final approved limit. This assessment is mainly based on your repayment ability. If your proof is sufficient, it will be easy to apply for the card. If the proof is not so sufficient, the card may not be issued or the credit limit may be low.

The Taobao membership credit card of Pufa Dream Card is free of annual fees for a limited period, and the annual fees are unconditionally waived, and the page fee is also waived. It can be said to be very worthwhile.

This card has the following benefits:

1. Consumption red envelopes: You can enjoy Pudong Development Red Envelopes for every purchase, and can issue gifts such as credit card points, traffic, mileage, and credit cards.

2. Airport 1 yuan parking service: In the designated airport parking area or UnionPay exclusive parking area, you can enjoy 2-hour parking or 48-hour parking service by spending 1 yuan with UnionPay platinum credit card and diamond credit card.

3. Luxurious benefits at Starwood hotels: free breakfast for two, free Internet, and a VIP benefit worth US$100 per room, which can be used to deduct hotel expenses, room upgrades, early check-in, late check-out, etc.

What is the general credit limit of Shanghai Pudong Development Bank?

The credit cards of Shanghai Pudong Development Bank can be roughly divided into three types according to the limit level: regular card, gold card and platinum card. Among them, the limit for regular cards is 1,000-10,000, the limit for gold cards is 10,000-50,000, and the limit for platinum cards is more than 50,000 yuan. The specific amount is determined by the application materials.

Everyone knows that there are high and low credit card limits, so what are the conditions that determine the credit card limit? This depends on the situation. We will explain it in three situations: first-time card application, second-time card application and daily limit increase.

1. Apply for a card for the first time

When applying for a card for the first time, there are two factors that affect the limit: card level and cardholder conditions.

Card level: The limit of regular card is generally less than 10,000 yuan, the limit of gold card is generally 10,000-100,000; the limit of platinum card is generally more than 50,000 yuan.

Cardholder conditions:

1. Personal income: job position, monthly income, and nature of the work unit.

2. Personal academic qualifications and professional titles: Higher academic qualifications and technical titles will increase your credit limit.

3. Family conditions: whether married and local.

4. Personal assets: Do you have personal assets such as houses, cars, bank deposits, etc.

5. Other credit cards and limit: If you have a credit card from another bank and the limit is higher, you can apply for a credit card with a higher limit. However, if you have too many credit cards, your application for other credit cards will be rejected.

2. Apply for a credit card again

For cardholders who apply for a credit card again, the bank will give them a refund based on the applicant’s income, credit cards that have been applied for by other banks, and their usage records. Out of credit limit. As long as the cardholder has no overdue repayment record and has a certain repayment ability, the bank will provide sufficient credit limit for the cardholder to use.

However, for some cardholders who have applied for credit cards multiple times and have overdue repayments on their credit cards or have maintained minimum repayments for a long time, banks will generally not approve or approve the cards in order to reduce risks. The card limit will be very low.

3. Daily limit increase

If a credit card needs to be raised during normal use, the bank’s approval basis is generally based on the cardholder’s card usage record: whether the number of credit card swipes is sufficient, daily limit increase, Whether the quota usage ratio is high enough, whether the loan can be repaid on time, etc.

If the cardholder has a good card usage record, the bank will generally accept the application and approve it. There are also some banks that do not allow applicants to apply on their own initiative, and the bank can only make the decision.

Although high-limit credit cards are good and can solve urgent needs, too high a limit can easily trigger your own desire to consume. When the time comes, you will easily become a card slave if you have too much credit card debt.

That’s it for the introduction of Pufa Taobao credit card limit.