How long is the temporary credit line of Shanghai Pudong Development Bank valid? How often can I apply?

People have always attached great importance to the credit card's quota, which is high and convenient to consume. Therefore, if many people's credit card limit is not enough, they will raise the amount. For example, if funds are urgently needed, most people will choose to apply for a temporary quota to use. Of course, the temporary quota is valid. Then, how long is the temporary credit line of Shanghai Pudong Development Bank valid? How often can I apply?

how long is the temporary credit line of Shanghai Pudong Development Bank valid?

The temporary credit line of Shanghai Pudong Development Bank is valid for one month. After one month, the temporary credit line will automatically become invalid and can no longer be used.

how often can I apply for the temporary credit line of Shanghai Pudong Development Bank?

First, apply for the first time

If you apply for the temporary credit line of Shanghai Pudong Development Bank for the first time, you need to use the card for 4 months before you can apply.

Second, apply again

If you have used the temporary credit line of Shanghai Pudong Development Bank and want to apply again, you must at least pay back the temporary credit line you applied for last time before you can continue to apply. In other words, it will take at least one month before you can apply again.

can I apply again if the temporary credit line of Shanghai Pudong Development Bank has not been used up?

As mentioned above, you can't apply for the temporary credit line of Shanghai Pudong Development Bank until you have paid off the last time, so you can't apply for the temporary credit line if you haven't used up the temporary credit line you have applied for.

The above is about "How long is the temporary credit line of Shanghai Pudong Development Bank valid? How often can I apply? " The answer. The temporary credit line of Shanghai Pudong Development Bank is valid for one month. Because the temporary quota cannot be applied again until it has been repaid, it is basically possible to apply once every two months.

Can Shanghai Pudong Development Bank apply for the snack quota by phone?

Shanghai Pudong Development Bank can apply for the snack quota by phone. Shanghai Pudong Development Bank can apply for a temporary credit card limit. The general application methods include:

1. Customer service hotline: call customer service to apply for a temporary increase in the credit card limit. The staff will review your card use and repayment, and inform the application result.

2. Online banking: log in to the online banking of Shanghai Pudong Development Bank, find the card management-temporary quota application, and then fill in the quota and time you need as required. Fill it out and submit it directly, and you can get the result immediately.

how long does it take to apply for a temporary credit line for Pudong Development Credit Card?

1. You can't apply for a temporary credit line until the card has been used for 4 months

Shanghai Pudong Development Bank can't apply for a temporary credit line until the card has been used for 4 months. The bank will inform the cardholder of the application result of the temporary limit in real time. If the temporary limit is successfully applied, it must be used within the use period, and the credit card will be restored to the original limit after the use period.

2. You can only apply for a temporary credit line once in one month

The time interval for Shanghai Pudong Development Bank to apply for a temporary credit line again is one month, which means that the cardholder can only apply for a temporary credit line once in one month.

temporary credit line, as its name implies, is the total credit line temporarily increased by banks on the basis of permanent credit line to meet the temporary needs of customers.

Shanghai Pudong Development Bank credit card temporary line application method

1. Shanghai Pudong Development Bank credit card mobile APP(4.32.6) application

Download and log in to Puxi Benben, then click on the withdrawal amount and select to apply for temporary line. After clicking on the application, the bank will conduct real-time approval, and the cardholder can see the application result soon.

2. Telephone application

Call the official customer service hotline of Shanghai Pudong Development Bank, transfer the manual service, and then follow the voice prompts to apply for a temporary quota.

3. WeChat application

Pay attention to WeChat (6.322.4) WeChat official account, bind your credit card (if there is no binding), and click Microservice-Account Maintenance, and there will be an automatic reply, and the number will be answered according to the prompt. It can be fixed or temporary here.

adjustment of credit card limit of Shanghai Pudong Development Bank:

1. Temporary adjustment

When using the credit card of Shanghai Pudong Development Bank, if it is found that the approved credit limit is not enough, you can call the 24-hour customer service hotline 488964 to contact the customer service specialist and apply for a temporary increase in the credit card limit. The credit limit of Shanghai Pudong Development Bank will be automatically restored to the original limit after the validity period of the temporary adjustment of the credit card limit expires.

2. Permanent promotion

(1) After the cardholder of Shanghai Pudong Development Bank has held the card for 4 months, he can call the Shanghai Pudong Development Bank Credit Card at 4-82-8788 to switch to manual service, and apply to the customer service representative to increase the limit. The customer service representative will review the cardholder's card use and repayment, and inform the application result.

(2) When the cardholder's financial situation has improved, you can mail the financial proof materials that have not been submitted before to the credit card center of Shanghai Pudong Development Bank, such as the car under the cardholder's name, the real estate under the cardholder's name, the securities under the cardholder's name, and the passbook under the cardholder's name, which are very conducive to improving the credit limit.

How to raise the temporary limit of Shanghai Pudong Development Bank Credit Card should also pay attention to the skills.

It has been dubbed as "Monkey Bank" by cardholders. Then, if the initial limit can't meet the cardholder's overdraft demand, how can Pudong Credit Card raise the temporary limit?

The threshold for applying for a temporary credit card limit will be much lower than that for a fixed credit card limit. Generally, it takes more than 6 months for Shanghai Pudong Development Bank to raise the temporary credit card limit for the first time, and only 3 months for the second time. As long as your credit card use record is good and there is no bad credit, the cardholder can raise the temporary credit card limit in the following ways:

1. Customer service telephone

Call the customer service telephone number of Shanghai Pudong Development Credit Card at 4-82-877 directly.

2. Online Banking

Log in to the personal online banking account of Pudong Development Credit Card, find the card management-temporary quota application, and fill in the required quota and time.

3. Official WeChat

Pay attention to the official WeChat of "Shanghai Pudong Development Bank Credit Card", click "Adjust Amount-Modify" in the bottom menu bar, send 1, click "My Universal Line" to push the message, and then apply for a temporary line after tying the card.

4. Official client

Generally, you can get the result immediately after you submit your application. The specific amount of temporary credit granted to you by the bank is determined by the system score review. The validity period of the temporary line is one month. After the expiration, the credit card line will return to the original fixed line. The temporary line cannot be repaid in installments or at the minimum repayment amount, otherwise it will be recorded as overdue.

must the temporary credit line of Pudong Development Credit Card be paid off when it expires?

It must be paid off.

1. The repayment time of the temporary credit card line is before the final repayment date of the current bill, and it cannot be included in the minimum repayment amount and installment amount. The used temporary credit line needs to be repaid in full. The temporary credit card limit does not need to be repaid on the current day, and the latest repayment time is before the last repayment date of the current bill. If the cardholder repays on time according to this, it will not be regarded as overdue and will not generate additional overdue interest.

2. The temporary credit card limit refers to the amount that the bank temporarily gives on a fixed limit to meet the cardholder's temporary overdraft consumption demand. The amount of the temporary credit limit is determined by the bank's comprehensive cardholder's qualification and credit card demand, and is generally 2%-3% of the fixed limit. The validity period of the temporary line is between 3 days and 45 days, and the temporary line cannot enjoy revolving credit, so it is different from the fixed line in repayment.

3. For example, the credit card line of China Merchants Bank held by card friend Xiaobai is 1, yuan. Because there is a plan to travel abroad, he applied for a temporary credit line through customer service phone, and the bank gave him 5, yuan. After Xiaobai traveled back, the current bill came out, with a total amount of 12,.

Then, 2 yuan in Xiaobai's bill is the temporary credit line, which needs to be paid off in full before the current repayment date.

Precautions for the credit card temporary credit line:

1. Credit cannot be extended repeatedly, and it has a valid period

The temporary credit line is different from the fixed credit card credit line, and it can only be used for one period, and it will become invalid after it expires.

second, the temporary line needs to be paid off in full, and it is impossible to make bills in installments

The temporary line needs to be repaid in full, and it cannot be repaid in installments, nor can it enjoy the minimum repayment amount like the fixed line. If you can't repay in full, you will have overdue records.

3. It's not all a good thing that temporary credit lines are converted into fixed credit lines.

In some banks, temporary credit lines will be converted into fixed credit lines, that is, temporary credit lines will be added to the original credit lines as the credit lines after withdrawal. However, due to the time interval and frequency requirements of withdrawal, changing from temporary quota to fixed quota will occupy the number of withdrawals, which is unfavorable to those who can apply for a larger quota withdrawal.

So much for the introduction of the temporary credit line of Shanghai Pudong Development Bank.