1. Telephone enquiry:
Call the 24-hour customer service hotline of Shanghai Pudong Development Bank Credit Card at 400-820-8788, enter your ID number according to the voice prompt, and then turn 2, and you can check your credit card limit.
2, mobile APP query
The official mobile banking APP can be downloaded from Shanghai Pudong Development Bank, official website and major mobile app stores. After downloading, you can check your credit card limit by binding your account.
3. Online banking inquiry
If you have opened online banking in Shanghai Pudong Development Bank, you can also use online banking to check your credit card limit in the details of your credit card account.
According to the application materials, the bank will review the applicant's various information and economic situation to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.
Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Apply for credit card online: If it is fast, you can check the progress of credit card application in 3 days. Under normal circumstances, the time from application and submission of materials to card approval is usually 7- 15 working days.
Bank branch application: Apply through the bank credit card specialist, and the time from application submission to card approval is generally 15-30 working days. It usually takes 10 working days from the receipt of the application materials by the audit department to the completion of the credit card audit. The bank will make the card within 2 working days, and then send it by registered mail according to the billing address. Generally, the sending time of registered letters is within 15 days.
To apply for a credit card, the applicant must first meet the conditions for handling the card, and then the application materials submitted by the applicant must be complete and true before the credit card can be successfully approved.
Generally speaking, when applying for a credit card, you should pay attention to the following matters:
1, contact information
When filling in the contact information, the applicant must correctly fill in the commonly used mobile phone number to ensure that the bank can contact you by phone and answer the bank's return call in time.
2. The validity period of the ID card
If the applicant's ID card is about to expire, it is best to apply after applying for a new ID card, otherwise the possibility of rejection is very high.
3, truthfully fill in
When filling in the application materials, be sure to fill it out truthfully. If you fill in false information, once it is discovered, not only will your application be rejected, but you may also be blacklisted by the bank.