The installment interest of credit card universal fund is similar to that of credit card, which is generally calculated according to the daily interest rate, which is five ten thousandths. The converted annual interest rate is generally between 12%- 18%. Cardholders can substitute the amount they want to borrow and then calculate the total interest for three years according to the specific interest rate.

For example, if you borrow 1 10,000 yuan every day, the interest will be 10000 * 0.05% * 1 = 5 yuan, which means 1 10,000 yuan will pay interest to 5 yuan every day. When the borrower uses the universal fund, in addition to the interest fee, the bank will also charge a handling fee, generally 10 yuan, which will be included in the current bill on the application date.

If you need to prepay, you need to call the customer service hotline on the back of the credit card of Shanghai Pudong Development Bank or apply for prepayment through self-service channels such as official WeChat. Shanghai Pudong Development Bank does not charge liquidated damages for prepayment, and the interest is calculated to the prepayment date. In addition, after the successful application for prepayment, the funds must be returned before 20 o'clock on the day of application.

If the cardholder wants to apply for universal currency, the application method is to call the customer service hotline of Shanghai Pudong Development Bank to apply directly. You can also apply by binding the official WeChat account of Pudong Credit Card Center, clicking "I want universal money" and following the prompts.