How to use Shanghai Pudong Development Bank Credit Card

General usage of Shanghai Pudong Development Bank Credit Card:

No profit for deposits

There is a fee for withdrawals

There is no interest on credit card deposits, but there are fees for withdrawals. Not only are there fees for overdraft withdrawals, but also for overdraft withdrawals. The handling fee ranges from 1 to 3% of the withdrawal amount. Overdraft consumption is not the same as overdraft withdrawal. Not only is overdraft withdrawal not interest-free, but it will also generate interest of 0.5% per day. If you have a lot of money on hand at the moment, don't deposit it into a credit card, because if you want to withdraw cash one day, the bank will charge you a cash withdrawal fee, and the interest rate is much higher than paying directly with a card to buy things.

Expert advice: You can swipe your credit card, but never use your credit card as a debit card to withdraw money. The money in the debit card is your own money, which you deposit in the bank, but the money in the credit card is not your money at all, it is the bank's money.

Withdrawing the balance

It is considered a cash withdrawal

I wanted to cancel the credit card, but was rejected by the bank on the grounds that "there is still a balance of 0.8 yuan in the card" , which puts cardholders in a difficult position: where can they spend the 80 cents by swiping their cards? Of course, most banks can cancel credit cards with balances at present, but if the cardholder wants to withdraw the balance in the card before canceling the card, it will be regarded as a credit card withdrawal, and a handling fee of 0.05% will be charged, with a minimum of 5 yuan per transaction. Bear interest of 0.05% per day.

Expert advice: If the balance in the card is very small, you can give up the balance and cancel the credit card. This is more appropriate than being charged a cash withdrawal fee by the bank.

Any remaining balance will be penalized in full

For consumers who have just used credit cards, many people do not seem to have a deep understanding of credit card penalty rates. . But Mr. Zhong understands it deeply. Once in a furniture store, Mr. Zhong used his credit card to buy a set of leather sofas. The bill sent showed the total amount was 10,007.6 yuan.

When Mr. Zhong repaid the loan, he only paid 10,000 yuan. He thought that the remaining few yuan would be paid off with next month's bill. It was just the interest and late payment fees that appeared on the bill later that left Mr. Zhong confused. When he called the bank's customer service, he learned that no matter whether he owed 10,000 yuan or 1 yuan, the bank calculated penalty interest and late fees based on the total amount of the bill.

Expert advice: When using a bank credit card that does not cancel the full penalty interest system, consumers must not ignore the unpaid balance. It is better to pay more than to leave an "unpaid balance". In addition, do not exceed the limit, otherwise you will be charged "over-limit fees".

Bundled repayment

It is better to go to the counter in person

In order to prevent forgetting to repay, many people will automatically link their debit cards with credit cards for repayment. However, related transactions must be completed at least two days before the last repayment date, because it takes up to two days to successfully verify the related function. Repayment cannot be made within these two days. If your last repayment date happens to be within these two days, you can Repayment will fail, even if there is sufficient balance in the debit card.

Expert advice: If it is convenient, you should go to an ATM or counter to repay the money by yourself!

Unactivated cards

An annual fee will also be charged

Many banks stipulate that even if the card is not activated, an annual fee will be charged. Some banks even require approval for some card types. The card must be swiped once within two months from the card date to be exempted from the first-year annual fee. Note that it is the date the card is approved, not the date the customer activates the card. The problem is that the customer will not know the approval date unless they call to ask.

Expert advice: Don’t apply for a card easily just because of the small gift when applying for the card, and don’t apply for a credit card but don’t use it. If you don’t use it, be sure to find out how to collect the annual fee, so as not to “open the card” at all. As a result, I received a bill at the end of the year, which was all for the annual credit card fee.

What is the most cost-effective way to use Pudong Development Credit Card points? There are many ways for you to choose

There are many points activities for Pudong Development Credit Card, and the points accumulation speed is also very fast. You can accidentally accumulate hundreds of thousands of points, so many cardholders are wondering what to do. It is more cost-effective to use these points. Of course, the most reliable way is to go to the official website to redeem products, such as talking fees, gas cards, and physical supplies. As for what you choose to redeem, this depends on everyone's choice.

The Shanghai Pudong Development Bank credit card points accumulate 1 point after spending 1 RMB. The accumulated points can be used in the following ways:

1. Points can be exchanged for gifts

This is The most common redemption method is that the points of an airline co-branded card can be redeemed for airline miles. Other credit cards can be redeemed for goods at the Pudong Points Mall, but this requires a lot of points, which is not very practical.

2. Points are currently spent

The Shanghai Pudong Development Bank Credit Card has an activity to spend points as money. Follow the official WeChat ID of "Shanghai Pudong Development Bank Credit Card Center" and bind the Shanghai Pudong Development Bank Credit Card, you can "Micro Plaza-Easy Points Redemption" can be used to redeem various types of electronic cash coupons from nearly 30 large e-commerce companies and well-known brands, such as lifestyle department store electronic coupons, fashionable fashion electronic coupons, and you can even use points to redeem phone bills for recharge.

3. Consumer pension

Cardholders aged 18 to 59 in Beijing, Chongqing, Shanghai, Sichuan, Liaoning, Guangdong, Jiangsu, Zhejiang, Hubei and Fujian can use points To redeem insurance premiums, 1,000 points can be exchanged for 1 yuan of insurance premiums. The minimum redemption is 2,000 points. The redemption method is: "SPD Bank Credit Card Center" official WeChat public account - "All-round Points" - "Points Protection", click "Pension Insurance".

4. Redeem for delicacies

Cardholders can swipe their Pudong Development Credit Card on dedicated POS machines in stores such as Haagen-Dazs, Starbucks Coffee, Pizza Hut, etc., and then use their points to directly redeem designated items. goods or deduct the consumption amount.

How to use Pudong Development Credit Card points most cost-effectively

Credit card points are a point value designed by banks to promote the consumption of credit card holders.

The points can be redeemed for various products in the bank's credit card points mall, which is a point redemption model in which products are used to reward cardholders.

The ratio of credit card points is 1 point for every RMB spent (except for special provisions). However, the points redeemed for products in the points mall are generally higher, and it usually takes tens of thousands of points to redeem them. .

Credit card repayment methods

The methods within the card-issuing bank include: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

WeiBank POS mobile phone and WeiBank Tong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!

Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.

Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.

The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.

Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.

Main companies

There are five major credit card brands in the world, two major organizations, VISA International and MasterCard International, and America Express International Co., Ltd. ), Diners Club, and JCB Japan International Credit Card Company (JCB) are five professional credit card companies. There are also some regional credit card organizations in various regions, such as EUROPAY in Europe, UnionPay in China, United Credit Card Center in Taiwan, etc.

How to use the Pudong Development Bank Reserve Credit Card

The process for using the Pudong Development Bank Reserve Credit Card is as follows:

1. The user needs to apply for a consumption reserve fund from the Shanghai Pudong Development Bank Credit Card Center. After success, Shanghai Pudong Development Bank will open a separate reserve account and grant a certain amount of credit.

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, 8 banks including Shanghai Pudong Development Bank were among the first to launch an online enterprise information verification system.

The rules you must know to play with Pudong Development Bank Credit Card

1. Introduction to Pudong Development Bank

Shanghai Pudong Development Bank is referred to as "Pudong Development Bank". There may be friends I don’t know much about the Shanghai Pudong Development Bank credit card. After all, it is not as well-known as the four major banks: Bank of China, Agricultural Bank of China, China Construction Bank, and Industrial and Commercial Bank of China. But in fact, Shanghai Pudong Development Bank is one of the earliest credit card centers in China to obtain a financial license.

Difficulty in applying for a card: ☆

Difficulty in raising quota: ☆☆☆

Strength of wool: ☆☆☆☆

Probability of risk control ：☆☆

2. Shanghai Pudong Development Bank’s cooperative card organizations

The cooperative card organizations include VISA, MasterCard, JCB, and AME

3. Annual fee policy

4. Characteristics of Pudong Development Area.

1) Easy to remove the card. Given that Pudong Development Bank is eager to counterattack and suffers from card-issuing hunger and thirst, it is not difficult to overthrow Pudong Development Bank, emm... Pudong Development Bank platinum is everywhere, and the quota of 2,000 is as stable as a dog.

2) Stingy with forehead. Theoretically, the first withdrawal for a new card is three months, but many people first withdraw it six months later. After that, there is an opportunity to raise the limit every three months. It often turns over, from Mount Everest to the Mariana Trench. The ups and downs in life are really too big. .

3) Interest-free period. Interest-free period of 50 days, farewell.

4) Temporarily available. If temporary and fixed appear at the same time, be sure to mention fixed first; if only temporary appears, you can use temporary first.

5) Very clingy. Pufa not only behaves like a monkey, but also clings to people, like a dog-skin plaster: "Guanren, do you want installment? Do you want universal gold? How about double wealth gold? You are here. Bill installment is our top priority. Is it easy to use?" It’s expensive...”

6) The risk control is just okay. Pudong Development Bank once advised AE White cardholders on its official WeChat account to "use it slowly and pinch gently" and made it clear that no matter how skilled you are, you are still afraid of the kitchen knife. The most annoying "kitchen knife" is pure household cleaning. Big data analysis and models The monitoring can clearly see... In order to develop the credit card business, Pudong Development Bank showed great patience and endured the "chopping knives" who cut it into pieces... before changing Today's glory.

7) Grace period. There is a 3-day grace period every month, and the repayment can be received immediately before 12:00 pm on the third day. If you fail to repay after the grace period, your credit report will not be immediately reported. You only need to pay off the debt or the minimum payment the day before the next bill date, but liquidated damages and interest will be incurred.

8) Don’t mind too many cards. I can't care about that much anymore. Let's get on the bus first. This is Pudong Development Bank's mentality. Cards with a limit of 1k will be issued without any problem. Why do you mind having too many cards? Doesn't exist.

9) Points. You can earn 1 point for every RMB 1 spent and 12 points for every USD 1 spent.

5. Billing date and repayment date

The billing dates currently provided by Pudong Development Bank are: the 4th, 6th, 7th, 10th, 12th, 13th, On the 14th, 18th, 21st, 24th and 26th, each person can call Pudong Development Bank customer service to apply to modify the billing date once a year.

Repayment date: The final repayment date is 20 days after the bill date (from the bill date).

6. How to increase the limit

1) Increase the limit of the Yangka card. Theoretically, a new card can be withdrawn for the first time every 3 months, and some can only withdraw it for half a year. After that, it can be withdrawn every 3 months, and the limit can also be raised during the installment period. This is not bad, but the Shanghai Pudong Development Bank’s limit increase rule is difficult to figure out, and some people don’t You can mention it no matter how hard it is, just mention it when the time comes.

2) Curve increase. MasterCard Priceless Privilege Card and Visa Royal Seal Card start from 50,000; AE White starts from 100,000; Super Platinum, MasterCard Priceless World Elite Card and Visa Infinite Card start from 300,000, if you can get the customs clearance document signed by the president , that would be better, let’s get dry.

7. Installment

8. Favorite merchants

Catering: 5812, 5813, 5814, 5815

Entertainment: 7012 , 7033, 7841, 7911

Hotels: 3501, 3503, 3504

Airlines: 4511

Department stores: 5311

Alipay, Tenpay

Suggestions on playing cards with Pudong Development Bank

In the card playing field, many credit card users call Shanghai Pudong Development Bank Monkey Bank. So why is Shanghai Pudong Development Bank called Monkey Bank?

I believe many people have some questions. Let me tell you why Pufa is called Monkey Walk. Pufa is called monkey, mainly because monkeys are fickle and always unpredictable. Shanghai Pudong Development Bank is incomprehensible whether it is applying for a card, raising a limit, or using universal funds. There seems to be no rules at all.

--Not much nonsense, just some practical information--

1. Card application skills

Official website, official account, Puda Xiben, offline (outlet business If you are qualified, you can go to a card clerk to apply. Try not to apply online. The limit is generally not too high.

Like the task cards from some time ago, there are a lot of dish cards, which is not interesting. When applying for the card, fill in the information carefully. It doesn't matter if you fill in a higher annual salary.

In addition, it is useless to apply and check some messy businesses. The bank mainly depends on your qualifications to approve the card, and will not change the review rules just for some profit.

(Is the credit limit of this vegetable card enough?)

2. Problems with using the card

It is relatively rare for Pufa to increase the credit limit. Some people say that it can be done in installments. For forehead lift, some people say frozen forehead lift. Which one can achieve immediate results? According to my actual measurement, it is frozen, and there is no handling fee for installment.

(My card has been frozen and withdrawn twice, but I can’t withdraw 90,000)

What is freezing? To put it simply: the correct operation method is to spend 1- 3 payments, pay the annual fee, pay it off directly after the bill is issued, and then just throw it in the drawer.

In addition, it is easy for monkeys to secretly check your credit report and post-loan management, which is really disgusting. Most of the people who have this kind of situation have too high debts, and they swipe their cards in and out quickly, thus causing system risk control.

(Check once a month)

Post-loan management also has an impact on card application, so I won’t go into details here. I will write about credit reporting another day.

3. Card application recommendations

Classic White, Treasure Card, Ele.me co-branded card, the card approval rate is very high, please go to the page to check the specific rights and interests. It's useless to talk a lot of nonsense, the important thing is that it suits you.

4. Activity introduction

Daily returns, scratch-offs, and various rights in life are getting better and better. It’s a bit like a maze, but it’s still possible to collect some wool.

Do not use the universal funds and consumption reserve funds marked in the picture. If the interest is not low, it will affect the withdrawal of the fixed amount.

Summary: Pufa’s cards are relatively good, but it’s rare to get a raise, so I suggest you don’t take monkeys too seriously.

It’s been 21 years, and it was still possible to max out your credit card and what the rules were before, but now? It would be good if it is not derated.

This ends the introduction on how to use Pudong Development Credit Card and which Pudong Development Card is easy to use. I wonder if you found the information you need?