Shanghai Pudong Development Bank's process of handling bank cards:
1. Bring your ID card and a small amount of cash to the business outlets of Shanghai Pudong Development Bank;
2. Fill in the new bank card application form with the assistance of the lobby staff of Shanghai Pudong Development Bank;
3. Take the number and queue up, and copy the ID card with the assistance of the staff;
4. Call the counter number, go to the counter and give the completed form and ID card to the bank teller. When you apply for a credit card, you need to sign your name and enter your password. The password is six digits, so remember it after setting it. This is the password for future withdrawals;
After all the formalities are completed, you will get a Pudong Development Bank Card. If you apply for online banking at the same time, you will get a U shield at the same time;
6. After completing the card, take your own things and leave.
Conditions for handling bank cards
Debit cards (transfer cards, special cards and stored-value cards)
You don't need much information if you want to apply for a debit card. Applicants can go directly to the bank counter with their ID cards and 50 yuan cash.
Matters needing attention in handling debit cards:
First, the annual bank card fee.
Some banks will charge applicants a certain annual fee, generally 10 yuan, which is charged once a year at a fixed time. If the bank card applied by the applicant is only used once, you can consider canceling the card after use to avoid paying more annual fees.
Second, whether to open e-commerce.
When handling bank cards, bank staff will actively recommend you to handle related electronic services, such as online banking and mobile banking. For this kind of business, customers can freely choose to handle it, and there is no binding. Users should handle it according to their own needs.
Third, the opening of third-party accounts.
Common tripartite accounts are financial accounts such as fund accounts, stock accounts and precious metal accounts. For customers with financial needs in this area, when handling bank cards, they can ask bank staff to open them together. It should be noted that a stock account can only sign an agreement with one bank account. If you want to change banks, you need to cancel the contract of the previous bank account first.
Second, credit cards (credit cards, quasi-credit cards)
If you want to apply for a credit card, you need to prepare much more materials than a debit card. Applicants not only need to bring their own identity cards, but also need to provide local accounts or residence certificates. In addition, the applicant also needs to provide proof of personal work income, proof of assets and so on.
First, prepare information.
1, identification, household registration or residence.
Need to provide the identity information of the credit card applicant, such as: ID card, military officer's card (including a copy);
You also need to provide your home address, such as passport, household registration book and copy of residence permit.
2. Work certificate
It is also important to have a stable job and income. If you can't see the work certificate, the bank can't judge whether the applicant has the ability to repay, and it is very difficult to approve the card.
Bring the original work certificate issued by the employer (stamped with the official seal of the company) and a copy.
3. Proof of financial resources
For example: the bank running bill of the last three months' salary, the social security payment certificate, etc.
If you have a car and a house, you'd better provide real estate license and car driving license. These materials can prove the economic level of the applicant.
Second, fill out the credit card processing form and go to the bank counter to handle it.
Bring information to the bank counter, fill in the credit card application form, submit materials and apply for a credit card under the guidance of the staff.
Third, provide relevant information on the internet of major banks and get credit cards after verification.
Note that online processing is convenient and fast, but it takes time to review.
How to apply for a credit card of Shanghai Pudong Development Bank?
The way to apply for the credit card of Shanghai Pudong Development Bank is as follows:
1, online application:
Log in to Shanghai Pudong Development Bank Credit Card official website and choose to apply for a credit card online immediately; After filling in the information, submit the application online. Customers who apply for Pudong Development Credit Card for the first time need to activate it at Pudong Development Branch after receiving the card.
2. Offline applications:
Download the application form online and print it, or collect it from the business outlets of Shanghai Pudong Development Bank; Fill in the relevant personal data on the application form; After confirming that the information is correct, sign your name in the signature column; Attach the required documents according to the application prompt; Submit the application form to the designated business outlet of Shanghai Pudong Development Bank.
How to generate income by credit card:
Some people are shocked by the bank's high quota or interest-free period, and think that credit cards are almost a "public welfare" cause. In fact, credit card is the most profitable cake for banks in traditional industries. Credit card business income comes from:
1. Annual fee (at present, banks with advanced business concepts have gradually given up this piece, which is in line with international practice)
2. Revolving interest (the annual interest rate is above 18%, which cannot be compared with any other business).
3. Credit card fee. The dispute between merchants and banks reported by the media a while ago is about this matter. Although the customer pays according to the marked price, the merchant has to pay the fees to the issuing bank, the acquiring institution and the settlement institution (collected by the acquiring institution). This is a big cake. Yongle home appliances complained that the bank's rate is equivalent to their gross profit, so the contribution of all customers of a bank adds up to be terrible.
International credit card organization:
It mainly refers to VISA and MASTER. In fact, they provide credit card settlement services, and Bank A issues cards. If Bank B in another country wants to collect money, it must be settled through the network of international credit card organizations. After long-term operation, the credit cards of these two institutions are almost universally used. There are other credit card networks that China people don't know much about, such as JCB and AE American Express. In fact, they are all networks operated by card issuers themselves.
Do you need a password:
Everything that comes to China will be characteristic of China. Therefore, after Guangfa, CCB also launched an international credit card using passwords.
In fact, credit cards are only used by signature, and merchants are obliged to check whether the signature is consistent with the back of the card before the transaction. In foreign countries, fraudulent use of credit cards is a criminal act, and businesses will call the police immediately when they find something wrong. Domestic businesses are not aware of this, and most of them will not check it.
So the bank said that in order to protect the rights and interests of consumers, the use of passwords should be promoted. In fact, using passwords only protects the rights and interests of banks. Any credit card charter will say that "any transaction using a password is regarded as the cardholder's authorization", that is to say, if someone steals your password (it is impossible to prevent password theft now), stealing or making a fake card is regarded as your authorization. Use only signatures. If you find unknown consumption, you can ask to sign a purchase order. If the certificate is not your signature, you can throw everything to the bank. Of course, you don't have to hand it in if you don't brush it. If the merchant does not verify the signature, let the bank ask the merchant for money.
How to apply for Pudong Development Credit Card?
Apply online now
1. Apply for a credit card online now.
2. After filling in the information, submit the application online. Customers who apply for Pudong Development Credit Card for the first time need to activate it at Pudong Development Branch after receiving the card.
Fill in the paper application form offline.
1. Please go to the business outlet of Shanghai Pudong Development Bank to get the paper application form.
2. Fill in the relevant personal data on the application form.
3. Sign your name in the signature column after confirming that the information is correct.
4. Attach the required documents according to the application form.
5. Submit the application form in person at the designated business outlet of Shanghai Pudong Development Bank. For information about the business outlets of Shanghai Pudong Development Bank, please visit and consult.
1. There are two channels for handling credit cards: one is to go to the branch counter; The second is online application processing. The advantage of network management is that with the guidance of staff, it can avoid trouble and avoid detours. Online processing is fast, saving time and effort, but personal credit is better.
The easiest way is to use cards. Shanghai Pudong Development Bank supports the card business, that is, the applicant applies for the credit card of Shanghai Pudong Development Bank with the credit card of other banks he already holds as the application materials. However, to apply for a card, the applicant must be 18 to 60 years old, have a stable job and a stable income; Credit cards owned by other banks have been used for more than half a year; The most important thing is that his bank's credit card has no overdue record in the last six months.
Shanghai Pudong Development Bank will refer to the credit card repayment records and consumption of other banks submitted by the applicant to determine whether to approve the card and how much.
3. Application materials filling skills (real questions):
1) Marital status: Married with children scored the highest because they were relatively stable.
2) Education: Higher education will add points, at least bachelor degree or above.
3) Housing conditions: extra points for self-purchase without loans. Explain that the economic strength is good and there is no burden.
4) Personal annual income: The more the better, don't exaggerate.
5) Duration of current address: The longer the better, and be careful not to be outrageous.
6) Current working hours: at least 1 year, the longer the better.
7) Occupation and industry category: institutions, state-owned enterprises, top 500 enterprises and well-known enterprises are the best.
If you are already a bank credit card holder, you need to fill out the application form online, print it out and mail it to the bank credit card center.
To apply for a bank credit card online, you need to fill in personal valid certificates such as company phone number and mobile phone number. Please fill in the form accurately and keep it in mind in order to activate the use of credit cards in the future.
Credit card application materials:
1. Identity information: copy of resident ID card or military officer's card;
2. Proof of work and income;
3. Other financial certificates: such as a copy of the real estate license, a copy of the automobile driving license, a copy of the deposit certificate, etc.
How to apply for a credit card of Shanghai Pudong Development Bank?
At present, there are two ways to apply for Shanghai Pudong Development Bank credit card: online application and online application. I applied for a credit card online, so I know this application method better. The specific steps for applying for Shanghai Pudong Development Bank credit card online are as follows:
The first step is to open the homepage of search engine, enter Shanghai Pudong Development Bank and click Search.
Step 2: In the search results page that appears, identify official website of Shanghai Pudong Development Bank marked by official website, and click Enter.
Step 3: After successfully entering official website, click "Personal Bank" in the main menu bar, find "Pudong Credit Card" and click "Enter". How to click "Apply for Credit Card Now" in the upper left corner?
Step 4: Select a credit card application. It is suggested that the landlord must understand the types of credit cards of Shanghai Pudong Development Bank and find a credit card suitable for his own use.
Step 5: Next, you should fill in the relevant information according to the requirements of the page. Attention, be sure to fill it out carefully!
After successful submission, I will wait for the official staff of the bank to contact you. Under normal circumstances, as long as you meet the requirements of the bank, the bank staff will get the credit card soon after verification. It usually takes about 15 working days. I hope my answer can help the landlord!