Is there a credit check for Pudong Development Credit Card Cash Installment? Pudong Development Credit Card Cash Installment uses the credit limit of the credit card itself, that is, the available limit in the credit card is transferred to the debit card for people to spend or withdraw cash. This installment amount will occupy the credit card limit, and the amount and procedures of each installment are The fees are transferred to each credit card bill at the same time, and the credit report system directly reflects the usage of the credit card limit. There will be no separate information about the cash installment, so it will not be reported to the credit report. However, it should be noted that after applying for cash installment, you must repay on time, otherwise the overdue cash installment will cause the Pudong Development Bank credit card to be overdue. Overdue credit cards will be subject to a credit report, and Pudong Development Bank will report your overdue credit card repayment situation. to the People’s Bank of China’s credit reporting system, thereby discrediting your personal credit.
Which installment business of Pudong Development Credit Card is subject to credit reporting? Pudong Development Credit Card offers cash installment, universal loan, Xiaopu Hongdai, Mengxiangdai, overdraft cash withdrawal, bill installment, contract installment, free installment, car installment, shopping mall installment, Kuaiyi installment and other installment services. Some of these services are subject to Shangzhi Some people don't believe it, but they won't submit it to the credit bureau. Generally speaking, only exclusive credit limit installment services are available for credit reporting, such as Wanyong Suijian, Xiaopu Hongdai, Mengxiangdai, car installment, and shopping mall installment Kuaiyifen. The limits of these businesses are independent of the credit card limit. To handle these The installment business requires the bank to separately determine the special installment amount, so the credit inquiry meeting is likely to affect the processing of mortgages and credit cards. For example, some cardholders reported that one and a half months after applying for Pudong Development Bank's Universal Credit card, they submitted their credit report on time. The credit card limit was 360,000, and 320,000 had been used. It was difficult to even get a mortgage. The above is the relevant introduction of "Is the Pudong Development Credit Card cash installment subject to credit reporting? Which installments are subject to credit reporting?", I hope it will be helpful to everyone. All in all, the installment business that occupies the credit card limit, such as Pudong Development Credit Card Cash Installment, will not be subject to credit reporting as long as it is not overdue. However, the installment business with an exclusive limit, such as Universal Loan, will be subject to credit reporting. Everyone is here You must consider it carefully when making installments, so as not to affect future bank credit services such as home loans and car loans.