the universal payment of Pudong Development Credit Card will not generate penalty interest, and the bank will collect it if it fails to repay for a long time. Moreover, after the overdue repayment, the bank will upload the overdue records to the credit information center. If the personal credit information becomes bad, it will affect the handling of various loans. If the amount of arrears is relatively large, it may also face the danger of being sued.

It is best to measure your repayment ability before using Pufa credit card universal fund, and use it only when your personal income is relatively good. If your personal income is not very good, it is best not to use it, so as to avoid the situation that you can't repay in time later.

In normal times, Shanghai Pudong Development Bank can apply for universal funds through different channels, such as customer service phone, Bank official website, WeChat WeChat official account and so on. It is convenient to call the credit card customer service hotline of Shanghai Pudong Development Bank to apply, and the user will handle it for you after making a request to the customer service when applying.

Generally, the loans from the universal fund of Shanghai Pudong Development Bank can only be used for consumption, including but not limited to decoration, wedding, car purchase, home appliances, student aid, tourism and medical treatment. The specific rate used shall be subject to the rate charged after the audit. After use, it can be repaid in different installments.