What's the difference between Pufa Bifujin and Universal Gold?
I. Types and uses:
1. Pufa Bifujin: It belongs to the consumption installment business, and its quota can be regarded as the exclusive quota for consumption installment. There are two kinds of consumption installments within the quota: free installment and bill installment, and the quota cannot be transferred by cash withdrawal. Simply put, if you want to apply for installment after using a credit card, you can use this special amount to installment as long as there are many rich funds on the installment page.
2. Pufa Universal Fund: it belongs to cash installment business, and the amount can be independent universal amount or credit card withdrawal amount. After successful processing, the amount can be transferred to the debit card in the applicant's name for withdrawal or consumption, but it cannot be used for investment consumption such as house purchase, wealth management, stock, bank and voucher transfer. It should be noted that because the universal fund needs special purposes, Pufa may let you upload the use certificate, and if it does not meet the requirements, it will pay you in one lump sum.
Second, whether to occupy the quota.
1. Pufa Bifujin: When applying for free installment or bill installment, if Bifujin is used for installment, the credit line will not be occupied, and the credit line will be resumed the next day after the installment is successful. In other words, after you divide a large transaction into free installments or bill installments with the amount of double rich gold, the original amount of the transaction will be released the next day, which means that the credit card can be used again with this amount.
2. Pudong universal fund: if the exclusive quota of independent universal fund is used for installment, it will not occupy the credit line; If you use the withdrawal limit to handle universal cash, it will occupy the credit line.
3. Is there a charge for prepayment?
1. Pufa Bifujin: You can repay in advance, and you need to call the 24-hour service hotline of Pufa Credit Card to apply for early termination of installment. If repayment is made in advance, it is necessary to pay off the remaining unpaid principal and handling fee in one lump sum.
2. Pufa Universal Fund: You can repay the loan in advance, and you also need to call to apply for termination of installment. If you repay the loan in advance, you need to pay 3% of the remaining principal as liquidated damages. In addition, whether to pay the remaining unpaid service fees is different according to the different ways of collecting service fees. If the service fee is charged in installments, there is no need to pay the remaining service fee. If you pay the service fee in one lump sum, you will not get a refund of the service fee paid.
Pufa Bifujin or Universal Gold, which is more cost-effective?
Pufa Bifujin and Universal Gold are two different products with different rates, so we can't use the word cost performance to judge them. After all, handling these two businesses depends on your needs.
If you want to apply for consumption staging, you can choose Pufa Bifujin. If you want to get capital turnover, you can choose universal gold.
However, compared with double rich gold, universal gold still has an advantage, that is, you don't have to pay back the remaining unpaid expenses in advance, provided that the payment method you choose when you pay by installment is installment, not lump sum.
The above is "What's the difference between Pufa Credit Card Double Rich Gold and Universal Gold? Which is cost-effective? " In short, PUFA is a consumer installment business, and PUFA Universal Payment is a cash installment business. There are differences in terms of quota, expenses and business types. It is suggested to choose the appropriate staging business according to your actual needs.