The usage process of Pudong Development Bank Reserve Credit Card is as follows:

1. Users need to apply for consumption reserves from the Shanghai Pudong Development Bank Credit Card Center. After successful application, Shanghai Pudong Development Bank will open a separate reserve account and A certain amount of credit is granted.

2. Users can use the consumption reserve account to swipe cards for consumption, and they can spend online. If they want to spend in physical stores, they need to apply for a reserve gold platinum card, which also only supports POS machine swiping.

3. After spending the reserve fund, you can freely choose the number of installments according to your own bills. There are five installments to choose from: 3, 6, 12, 24, and 36.

It should be noted that the consumption reserve fund of Shanghai Pudong Development Bank can only be used for consumption (including but not limited to decoration, home appliances, weddings, car purchases, student aid, travel, medical care, department stores, etc.). However, it cannot be used in investment fields such as real estate, stocks, futures, financial management, and equity, nor in non-consumption fields such as production and operation, repaying other debts, nor in other illegal activities such as illegal fund-raising, and it can neither withdraw cash nor repay other debts. transfer.

Applying for the consumption reserve fund of Shanghai Pudong Development Bank generally requires good credit, and the consumption reserve fund of Shanghai Pudong Development Bank is also connected to the central bank's credit reporting system. Overdue users will affect their personal credit reporting, so users Pay back your loan on time.

Shanghai Pudong Development Bank (referred to as: Pudong Development Bank or Shanghai Pudong Development Bank) was established with the approval of the People's Bank of China on August 28, 1992, opened on January 9, 1993, and was listed on the Shanghai Stock Exchange in 1999. A national joint-stock commercial bank successfully listed on the stock market (stock trading code: 600000), with its head office in Shanghai.

In 2018, Shanghai Pudong Development Bank ranked 70th among the "Top 2000 Global Companies" by Forbes in the United States; 25th among the "Top 1000 Global Banks" in The Banker in the United Kingdom; and ranked among the "World 500" in the U.S. "Fortune" Strong” No. 227. Shanghai Pudong Development Bank is one of the few joint-stock commercial banks in China that has been rated investment grade or above by three major international rating agencies. In July 2019, the 2019 Fortune Global 500 was released: ranking 216th.

On September 1, 2019, the 2019 Top 500 Chinese Service Enterprises list was released, with Shanghai Pudong Development Bank Co., Ltd. ranked 29th. In March 2020, it was selected as the 134th among the top 500 global brands in 2020.

The total assets of Shanghai Pudong Development Bank increased from 8.75 billion yuan when it was first established in 1993 to 6,091.759 billion yuan at the end of June 2018, an increase of 696 times; operating income increased from 337 million yuan in late 1993 when the bank was founded. It increased to 168.6 billion yuan at the end of 2017, an increase of 500 times; net profit increased from 130 million yuan in 1993 to 54.24 billion yuan in 2017, an increase of 416 times, with an average annual compound growth rate of nearly 30.

For the whole year of 2018, Shanghai Pudong Development Bank achieved operating income (group caliber) of 171.542 billion yuan, a year-on-year increase of 2.923 billion yuan, an increase of 1.73%; net profit attributable to shareholders of the parent company was 55.914 billion yuan, a year-on-year increase of 1.656% billion, an increase of 3.05%.

As of the end of 2018, the total assets of Shanghai Pudong Development Bank Group were 6.289606 billion yuan, an increase of 152.366 billion yuan from the beginning of the year, an increase of 2.48. The capital adequacy ratio was 13.67, an increase of 1.65 percentage points from the beginning of the year. On June 26, 2019, eight banks including Shanghai Pudong Development Bank were among the first to launch the online enterprise information verification system.