What is the general credit limit of Shanghai Pudong Development Bank?

The credit cards of Shanghai Pudong Development Bank can be roughly divided into three types according to the limit level: regular card, gold card and platinum card. Among them, the limit for regular cards is 1,000-10,000, the limit for gold cards is 10,000-50,000, and the limit for platinum cards is more than 50,000 yuan. The specific amount is determined by the application materials.

Everyone knows that there are high and low credit card limits, so what are the conditions that determine the credit card limit? This depends on the situation. We will explain it in three situations: applying for a card for the first time, applying for a card again, and raising the limit daily.

1. Apply for a card for the first time

When applying for a card for the first time, there are two factors that affect the limit: card level and cardholder conditions.

Card level: The limit of regular card is generally less than 10,000 yuan, the limit of gold card is generally 10,000-100,000; the limit of platinum card is generally more than 50,000 yuan.

Cardholder conditions:

1. Personal income: job position, monthly income, and nature of the work unit.

2. Personal academic qualifications and professional titles: Higher academic qualifications and technical titles will increase your credit limit.

3. Family conditions: whether married and local.

4. Personal assets: Do you have personal assets such as houses, cars, bank deposits, etc.

5. Other credit cards and limit: If you have a credit card from another bank and the limit is higher, you can apply for a credit card with a higher limit. However, if you have too many credit cards, your application for other credit cards will be rejected.

2. Apply for a credit card again

For cardholders who apply for a credit card again, the bank will give them a refund based on the applicant’s income, credit cards that have been applied for by other banks, and their usage records. Out of credit limit. As long as the cardholder has no overdue repayment record and has a certain repayment ability, the bank will provide sufficient credit limit for the cardholder to use.

However, for some cardholders who have applied for credit cards multiple times and have overdue repayments on their credit cards or have maintained minimum repayments for a long time, banks will generally not approve or approve the cards in order to reduce risks. The card limit will be very low.

3. Daily limit increase

If a credit card needs to be raised during normal use, the bank’s approval basis is generally based on the cardholder’s card usage record: whether the number of credit card swipes is sufficient, daily limit increase, Whether the quota usage ratio is high enough, whether the loan can be repaid on time, etc.

If the cardholder has a good card usage record, the bank will generally accept the application and approve it. There are also some banks that do not allow applicants to apply on their own initiative, and the bank can only make the decision.

Although high-limit credit cards are good and can meet urgent needs, too high a limit can easily trigger your own desire to consume. When the time comes, you will easily become a card slave if you have too much credit card debt.

What is the general credit limit of Shanghai Pudong Development Bank?

1. Ordinary card level. The initial limit range of Shanghai Pudong Development Bank's general credit card level is generally between 1,000 yuan and 10,000 yuan.

2. Gold card level. The initial limit of the gold card of Shanghai Pudong Development Bank Credit Card will be relatively high, generally between 10,000 yuan and 50,000 yuan.

3. Platinum card level. The initial limit of Shanghai Pudong Development Bank's platinum credit card is generally more than 50,000 yuan.

4. High-end platinum card level. High-end Platinum Card, commonly known as Da Platinum. The initial limit of Pudong Development Bank’s high-end Platinum Credit Card is generally more than 100,000 yuan, with a maximum of no more than 500,000 yuan.

5 However, credit cards are determined according to each person's situation. Each use situation and situation are very different, so the limit given by the bank may also be different. It depends on how the bank evaluates the urgent repayment. capabilities and spending power.

6 If this is the first time you apply for a Shanghai Pudong Development Bank credit card, the credit limit is generally around 5,000 yuan. The better the applicant’s personal credit, the higher the credit limit approved by the bank. If the limit is not enough, use a period of After that time, you can apply to the bank for an increase.

: 1. Official website query: First log in to the official website of Shanghai Pudong Development Bank Credit Card, enter your credit card, login password, etc., then click to enter the credit card center, you can see your total credit limit, available limit, and cash withdrawals Quota, etc.

2. Customer service telephone inquiry: You can call the 24-hour customer service hotline of Shanghai Pudong Development Bank credit card at 400-820-8788. After entering the ID number according to the voice prompts, turn to 2, you can check the credit card limit. .

3. Xida Puben APP query: You can download the Shanghai Pudong Development Bank APP Xida Puben, enter your credit card and password to bind the card, and then enter the credit card center to query the specific limit.

4. WeChat public account query: Follow the "SPD Bank Credit Card" public account on WeChat, click "Card Application·Introduction"-"Card Open·Progress" on the menu bar, and bind your SPDB Credit Card , your credit limit will naturally be displayed.

How much does a Shanghai Pudong Development Bank credit card limit generally start?

The Shanghai Pudong Development Bank credit card limit will be affected by the card level, and the credit limit will be different depending on the card level. The credit limits from low to high are regular card, gold card and platinum card. The limit of regular credit cards is 1,000-10,000, and the limit of gold cards is 10,000-50,000.

The Platinum Card limit is more than 50,000 yuan, and the specific amount is determined by the credit card application information and the applicant’s qualifications. Generally speaking, if the card applicant is applying for a credit card for the first time, he can usually only apply for a regular card, and the limit is usually around 5,000.

Extended information:

Limit increase

1. Win more times

Use credit cards frequently, no matter how big or small, as long as you can swipe the card Definitely pay by credit card.

2. Win by amount

It is best to produce monthly bill consumption that is at least 30% of the total amount.

3. Temporary quota increase

Due to short-term needs to increase the quota due to holidays, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.

4. Persistence

Continuously call for quota increase applications. Sometimes different customer service applications will be processed differently.

5. Dormant Suspension

If you intend to deactivate a credit card for a certain period of time, banks will provide certain incentives for the activation of dormant cards, such as bonus increases.

6. Seize the opportunity

The time to raise the quota is also very important. It is most effective to apply on billing day or when your card has just been maxed out.

7. Continuous consumption

The bill for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.

Value-added services

Car roadside assistance services

Pudong Development Bank Credit Card holders can order roadside assistance services by themselves through the "Online Account Service" on the official website of Pudong Development Bank Credit Card. During the service validity period, in mainland China, call the road rescue service hotline and enjoy 24 hours a day, 365 days, all year round road rescue services. Roadside assistance service fee is 100 yuan/year.

Global Emergency Support

Shanghai Pudong Development Bank Credit Card and international card organizations with a huge global network provide 24-hour global emergency support services. This service includes business assistant services, emergency legal assistance, emergency medical services and other personalized services to meet your various special emergency needs.

Application Requirements

Basic Requirements

Anyone who is over 18 years old, has full capacity for civil conduct, has legal and stable sources of income and solvency, and has good credit standing natural person. You can apply for a personal credit card master card at the Credit Card Center with your valid identity document and other documents required by the Credit Card Center. The main cardholder can apply for supplementary cards for other persons who are over 15 years old and have spouse, parent, child, etc. relationships with the main cardholder.

Application process

Receive application form:

Receive channels

1. Call the application hotline to obtain the application form

2. Apply for a credit card online

3. Pick it up at any business outlet of Shanghai Pudong Development Bank

Fill in the application form

1. Fill in the relevant personal information on the application form

2. After confirming that the filled in information is correct, sign your name in the signature column

3. Attach the required documents according to the prompts on the application form

4. If you choose to fill out the complete application form online, please follow the prompts to confirm "Submit" and "Print"

What is the credit limit of Shanghai Pudong Development Bank?

As of January 2020, the limit for regular cards is 1,000 yuan to 10,000 yuan, the limit for gold cards is 10,000 yuan to 50,000 yuan, and the limit for platinum cards is more than 50,000 yuan. The specific amount is determined by the application materials.

Conditions for Shanghai Pudong Development Bank credit card application:

1. Application conditions

The applicant already holds a credit card from another bank, and the card status is normal and there is no bad record ;

The credit card from another bank has been used for 1 year.

2. Application materials

Applicant’s identity certificate and original credit card from other banks.

3. Application channels

When applying for a Shanghai Pudong Development Bank credit card, you need to bring the above-mentioned materials to a Shanghai Pudong Development Bank branch for processing. Only the normal application method is currently supported online. If the applicant needs to inquire about issues related to business outlets, he or she can call the customer service hotline of the Shanghai Pudong Development Bank Credit Card Center.

The processing time for Shanghai Pudong Development Bank credit card is about 15 working days.

The Shanghai Pudong Development Bank credit card review process is: preliminary review - credit investigation - card production - card delivery. It takes about 15 working days to complete the entire process. in addition. When the bank is reviewing the application, the applicant can check the application progress through Shanghai Pudong Development Bank online banking, mobile banking, or telephone.

Extended information:

Credit has many functions and advantages, which can be summarized as follows:

1. It facilitates people’s lives and eliminates the need to carry There is no need to worry about cash, and there are no geographical restrictions on using credit cards. No matter where in the country the card is swiped, as long as it has the UnionPay logo, it can be swiped without any fees.

2. You can participate in various preferential and discount activities cooperated by merchants and banks, and you can enjoy a variety of discounts when spending money at merchants that cooperate with banks.

3. Value-added services. Various credit cards launched by banks come with some value-added services. At present, the services launched by various banks can be divided into seven categories: cash returns, lottery draws, shopping discounts, free insurance, travel services, personal financial reports and other value-added services. These are the additional benefits that credit cards bring us.