Shanghai Pudong Development Bank itself is famous for its numerous credit cards, and now its universal fund is loved by the general public. What is amazing is that the universal fund is not directly related to the credit card limit. If the personal qualifications are good enough, you can apply for a higher quota. So, what is the prepayment process of universal money? Universal cash prepayment process: First, you can log in to Pudaxiben APP, click My View Current Bill Details, find the prepayment button, and pay off all universal cash in advance. Secondly, you can also enter the micro-signal of Pudong Credit Card Center and choose installment repayment in the card recommendation, which will prompt you to bind micro-customer service. After the service is bound, prepayment can be made. It should be reminded that if you choose to settle the fund in advance, you need to pay the unpaid remaining principal of the universal fund and a penalty of 3% of the remaining principal. If you choose to pay the handling fee in one lump sum before, you don't need to pay liquidated damages if you pay it off in advance. In short, Pudong Universal Fund is an installment loan that exceeds the credit card limit of Shanghai Pudong Development Bank. You need to have both a credit card and a debit card of Shanghai Pudong Development Bank to open this business in a short time.