The universal payment introduced by Shanghai Pudong Development Bank's credit card will charge high interest, and the bank will tell you to reduce the credit card limit when handling it. When the universal fund expires, the quota will be restored. However, after the expiration of the universal fund, the quota may not be restored to the previous quota.

The amount occupied when applying for the universal fund may be told that it cannot be recovered after the universal fund expires. If the bank says that the score is insufficient, the reduced amount cannot be recovered when applying for the universal fund. Please use it with caution.