The credit card jointly launched by Shanghai Pudong Development Bank and Netease Cloud Music is a co-branded card with the theme of music, with rich preferential activities and distinctive style. The application conditions of this card are relatively loose, and the credit rating can be applied from AA to C, and the handling fee for handling the card is also very low. However, it should be noted that cardholders need to use the designated payment method to enjoy the discount, and they also need to read the terms of use and exchange rules of the card carefully to avoid unnecessary economic losses.

As for the credit record, under normal circumstances, cardholders will leave traces of inquiry when using the credit record of the central bank, which is unfavorable to lending friends. Moreover, most online loans have no credit information, so no specific online loan information can be found for credit information. But now you can know your personal data through "Zhiyi Big Data", and you can learn more about overdue information of online loans, application records, untrustworthy information, online loan blacklists and other information without querying records. It is recommended to know the qualifications, history, reputation and evaluation of relevant products and institutions before using any online lending platform, so as not to step into the trap.

To sum up, Pudong Netease Cloud Music Co-branded Credit Card is a distinctive and preferential credit card product, but the cardholder needs to evaluate and choose according to his actual needs and usage. At the same time, we should pay more attention to mastering and protecting our credit records and privacy information.