What is the limit of Shanghai Pudong Development Bank Credit Card Platinum Card?

The limit of Shanghai Pudong Development Bank Credit Card is determined based on the qualifications of the applicant. The limit of Platinum Card is more than 50,000 yuan. The limit of regular card is more than 50,000 yuan. The credit limit is within 10,000 yuan, and the gold card limit is between 10,000 yuan and 50,000 yuan. Not all Shanghai Pudong Development Bank platinum cards are free of annual fees. Only some platinum credit cards can enjoy lifetime annual fee exemptions. For other platinum credit card products, you often need to meet certain conditions before you can enjoy the annual fee exemption or annual fee reduction policy.

The Shanghai Pudong Development Bank Simple Platinum Credit Card is free of annual fees in the first year of opening the card. If you swipe the card more than 6 times a year, the annual fees are waived for the following year; another example is the Pudong Development Bank Yangtze River Delta Shopping Themed Edition Platinum Credit Card, which is free of annual fees for life. ; Pudong Development Platinum Dream Card is also free of annual fees for life.

Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

Tips for increasing credit limit

1. Continuous and frequent credit card consumption

Persistence means that after you have a credit card, you must insist on long-term credit card consumption, preferably three consecutive times. The credit card consumption limit is generated every month for more than three months. Don't use it for a period of time and then freeze it for a long period of time.

Frequency means to swipe your card wherever you can, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it will be easy for the bank to think you are suspicious. , it is difficult to raise the quota.

2. Pay attention to the amount of credit card swiping and the temporary limit increase

Pay attention to the amount of credit card swipe and make full use of the temporary limit increase.

3. Persist in applying and seize the opportunity to apply

Persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe they failed the previous one but passed the next time, and Keeping a record of your phone application will also help you apply for a quota increase in the future.

4. Use the threat of card cancellation or sleep suspension

Use the threat of card cancellation or sleep suspension. After you have made multiple applications and been rejected, you can consider using this trick. Just tell the bank's customer service or staff directly. If the credit card limit cannot meet the actual needs, they will consider canceling the card. It is best to show some In fact, of course, the attitude should not be too bad. It is best to be soft but hard, so that it is easier to gain room for negotiation and maneuvering.

Application conditions for Shanghai Pudong Development Bank Platinum Credit Card

Application conditions for Shanghai Pudong Development Bank Platinum Credit Card:

1. The applicant must be over 18 years old;

2. The applicant has a good personal credit record and no bad credit record;

3. The applicant has a stable job and income;

4. Other conditions required by Shanghai Pudong Development Bank.

The Platinum Card of Shanghai Pudong Development Bank has no advantage over the Platinum Credit Cards of other banks. The maximum limit of the Standard Platinum Credit Card of Shanghai Pudong Development Bank is 100,000 yuan and the minimum limit is 10,000 yuan. Generally speaking, the general credit card limit of Shanghai Pudong Development Bank ranges from a few thousand yuan to tens of thousands of yuan, and the highest can reach 50,000 yuan. In addition, the annual fee for Shanghai Pudong Development Bank's standard platinum card is 680 yuan for the main card and free for supplementary cards. It does not participate in Shanghai Pudong Development Bank's annual fee-free promotion this year, so it doesn't feel very worthwhile. However, the best thing about this platinum card is that it has both a magnetic stripe and a chip. When using the contact chip to make purchases, you need to insert the card into the POS machine. When using the contactless chip to make purchases, you only need to approach the POS machine and make a "beep" sound. You can pay quickly and conveniently.

Special functions of Shanghai Pudong Development Bank Credit Card:

Based on the basic functions, Shanghai Pudong Development Bank’s credit card safety precautions cover all aspects of credit card use before, during and after the event,** *Designed six layers of protection measures, including the earliest free SMS messages, photo cards, priority dispute handling and other security measures launched in China. It also has a unique 24-hour anti-fraud function, which can provide timely warnings for suspicious transactions around the clock and take preventive measures in advance. .

In addition, if your card is lost or stolen, please call the customer service hotline immediately to report the loss in real time. The customer service hotline provides 724-hour all-weather service; at the same time, Pudong Development Credit Card also provides cardholders with The free lost card protection service can provide compensation for domestic and overseas transactions made 72 hours before the loss is reported, with the compensation amount up to 100,000 yuan, which can be said to fully protect cardholders' card safety in an all-round way.

1. Free text messages and instant messages.

When you get a Pudong Development Bank Credit Card, you will have access to the "Timely Words" SMS service function provided by the Pudong Development Bank Credit Card to customers. The Timely Words function will send out various information reminders based on the account situation, including consumption, cash withdrawal, and payment. Bill repayment reminders, overdue reminders, etc. ensure the security of your account.

The initial reminder amount for Pudong Development Credit Card (except WOW Card) is RMB500 (or a transaction equivalent to RMB500). The wow card is 200 yuan.

According to the needs of customers, through the 24-hour customer service hotline, the instant message function of Pudong Development Credit Card can be:

(1) Modify the SMS reminder amount;

( 2) Cancel the instant message service;

(3) Re-apply for the instant message service.

The real-time service allows customers to grasp account changes in real time, allowing customers to have a clear understanding of their accounts.

2. Photo card.

Pudong Development Credit Card provides free photo card service. The new photo card is not only easy to identify, but also the photo matches the customer's signature, making spending more secure.

3. Prioritize dispute resolution.

When you find any doubts about your consumption payments, you can immediately submit a dispute application to the Shanghai Pudong Development Bank Credit Card Center. Out of full trust in the customer, the customer may temporarily not pay the disputed transaction amount. After investigation and confirmation that the dispute is correct, we will re-account the transaction.

4. 24-hour anti-fraud function.

The Shanghai Pudong Development Bank Credit Card Center adopts an advanced anti-fraud system and provides you with the safest and most reliable protection with powerful technical support. For some suspicious transactions, the system will handle it accordingly, making you feel more at ease when using the card.

5. 24/7 service.

No matter where you are, just call the Shanghai Pudong Development Bank customer service hotline and we will solve all your problems related to Shanghai Pudong Development Bank credit card. You can also check your account status, inquire about promotional activities and other details through automatic voice service. At the same time, it also provides 24-hour friendly and detailed manual services, allowing you to experience the service concept of Shanghai Pudong Development Bank Credit Card Center that puts you first.

6. Lost card protection service.

If your credit card is lost or stolen, please call the Pudong Development Bank Credit Card Customer Service Hotline to report the loss as soon as possible. For domestic and overseas transactions in the 72 hours before the loss report, if these transactions are not transactions with passwords , then Pudong Development Bank Credit Card will provide compensation to customers and provide long-term and high-quality security.

The minimum limit of Pudong Development Bank Platinum Card

The minimum limit is 8,000

The Shanghai Pudong Development Bank Platinum Credit Card has multiple card types, and their limits are also different:

1. Simple platinum card. As a card mainly for mass consumption, the Simple Platinum Card has a usage limit between 8,000 yuan and 50,000 yuan;

2. Standard Platinum Card. The limit of the standard platinum card is slightly higher than the former, ranging from 10,000 yuan to 50,000 yuan;

3. High-end platinum card and super platinum card. These two credit cards are only for users with high consumption needs and have very strict credit requirements. The minimum limit is about 50,000 yuan. There are also some available temporary limits, and the specific limit can reach hundreds of thousands or even millions.

The Pudong Development Bank Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free.

The Credit Card Center of Shanghai Pudong Development Bank (referred to as "Shanghai Pudong Development Bank") was established in January 2004. It is a direct operating institution established by Shanghai Pudong Development Bank that specializes in credit card business.

The product service system of Shanghai Pudong Development Bank Credit Card Center includes: a credit card product that can be customized by users - Pudong Development Dream Card; it cooperates with popular domestic and foreign institutions and brand IPs such as the Forbidden City, Barcelona Football Club, and Zhuxiaoyi]. Cooperate with the airline industry, hotel industry, department store industry, communications industry, Internet platform and other industries to launch co-branded theme credit card products; jointly issue high-end card products with rich rights and interests with VISA, American Express, MasterCard International and other domestic and foreign card organizations .

The Shanghai Pudong Development Bank Credit Card Center has launched credit card discount platforms such as "Dream Enjoyment Club" and "Xiao Pu Huihua", and launched a marketing activity system such as red envelopes, movies, miles, and hotels. Shanghai Pudong Development Bank Credit Card provides Pudongxi Mobile service platforms such as Ben APP.

Dream Card

Pufa Meng Card allows consumers to choose products and benefits according to their needs, including selecting card materials, card surface patterns, In terms of four major aspects, including exclusive rights and card organization, the bank will then create a credit card based on customized information.

"I" series of male-themed cards

Pudong Development Credit Card launched on January 3, 2019. The "I" male-themed credit card was launched, including three products: "Feifan", "Youwei" and "Alien Wave". The card benefits include travel, hotel, gas, points, etc., which are designed for male users. Choose the rights you need through the rights customization platform

SPD High-end Card Series

1) Shanghai Pudong Development Bank American Express Platinum Credit Card

Launched by Shanghai Pudong Development Bank and American Express Card Organization. With the Shanghai Pudong Development Bank American Express Platinum Credit Card, the benefits cover business travel and other aspects.

2) Pudong Development Mastercard Priceless World Exclusive Credit Card

Pudong Development Mastercard Priceless World Exclusive Credit Card. The credit card body is made of brushed metal, and personal information and other logos are displayed on the back. It has a built-in anti-counterfeiting function.

About Shanghai Pudong Development Credit Card Platinum. This concludes the introduction to Shanghai Pudong Development Bank Platinum Card Limit 2000. Have you found the information you need?