The credit card overdraft limit of Shanghai Pudong Development Bank is reviewed and approved by Shanghai Pudong Development Bank based on personal conditions. Generally, the minimum limit for gold cards and ordinary cards is 3,000 and the maximum is 50,000. Under normal circumstances, you can overdraft as much as the credit card limit. For example, if your credit limit is 10,000, you can overdraft your card by 10,000. The exception is cash withdrawals. There are daily limit and single limit limits on cash withdrawals, and the cash withdrawal limit is generally about 50 lower than the credit limit.

If you need a limit, you can call the bank service hotline to apply for a temporary limit (fixed limit) increase. Cardholders need to be reminded that the temporary limit is for emergency use and has a period of use, after which it will become invalid. However, the fixed quota is equivalent to the permanent quota, which is valid for a long time.

1. Temporary adjustment

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

2. Permanent improvement

(1) After holding the card for 4 months, Shanghai Pudong Development Bank credit card holders can call the Shanghai Pudong Development Bank credit card phone number, transfer to manual service, and submit a request to the customer service representative For applications to increase the limit, customer service representatives will review the cardholder's card usage and repayment status and inform the application results.

(2) When the cardholder’s financial situation improves, he or she can mail financial proof materials that have not been submitted before to the Shanghai Pudong Development Bank Credit Card Center, such as: cars in the cardholder’s name, cardholders’ Real estate in the name of the person, securities in the name of the cardholder, and passbooks in the name of the cardholder are very helpful in increasing the credit limit.