There is an annual fee for the credit card of Shanghai Pudong Development Bank, and different card types will be different, as follows:
1, Puka, simple gold card: main card 180 yuan, auxiliary card 90 yuan;
2. Gold card and simple platinum card: main card 360 yuan, auxiliary card 180 yuan;
3. Business Travel Gold Card and Simple Platinum Card Category: 400 yuan as the main card and 200 yuan as the supplementary card;
4. Standard Platinum Card: the main card is 680 yuan, and the auxiliary card is free;
5. High-end platinum card for business travel: main card 1500 yuan, and auxiliary card 750 yuan;
6. High-end platinum card: 3,600 yuan for the main card and 1.800 yuan for the auxiliary card;
7. Super Platinum Card: RMB 0/0000 for the main card and RMB 5,000 for the auxiliary card.
The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.
For cardholders, the setting of the minimum repayment amount of credit card can ensure that personal credit is not limited by repayment ability to a certain extent. When you spend too much on your credit card and the repayment amount exceeds your repayment range, you can choose the minimum repayment amount, so that your personal credit will not be affected. But what you need to know is that this means that you can no longer enjoy the interest-free period.
Minimum repayment amount = 65,438+00% of the consumption amount within the credit line+65,438 of the cash advance transaction amount+000% of the unpaid part of the previous minimum repayment amount+65,438+000% of the consumption amount exceeding the credit line+65,438+000% of the expenses and interest.
At present, in the above formula, some banks use the minimum repayment rate of 10% to advance cash. Pay the "minimum repayment amount" before the due repayment date, and calculate the interest accordingly. But it will not affect personal credit. Cash advance does not enjoy the minimum repayment amount.
After the credit card is spent, you will receive the bank statement on the billing date. There are two quantities, which we should write down. One is the amount payable in this period, and the other is the minimum repayment amount.
The billing cycle of a credit card is one month, usually 30 days, which is generated after you apply for a credit card. After you activate, your billing cycle will be until the next month, during which your consumption will be counted as an installment bill, and the repayment date will be determined by yourself, usually with a time difference of about half a month.
After the credit card is spent, you will receive the bank statement on the billing date. There are two quantities, which we should write down. One is the amount payable in this period, and the other is the minimum repayment amount. In fact, this is also a major advantage of credit cards. Once you spend your credit card, which is beyond your repayment range, you can choose the minimum repayment amount, so that your personal credit will not be affected. But that means you can't enjoy the interest-free period any more.
How to charge the annual credit card fee of Shanghai Pudong Development Bank?
After applying for a credit card, Shanghai Pudong Development Bank can choose an annual fee to participate in the activities.
If you choose the form of free annual fee for the first year, the annual fee for the main card will be free for the first year. If you spend at least 1 time every month for any six consecutive natural months from the next month after the card is checked or renewed in the next year, the annual fee for the main card in the next year will be free, but there will be no bonus points. If the supplementary card is handled at the same time, the annual fee-free policy for the supplementary card in the following year is the same as that for the main card.
If the annual fee is paid annually, gold card holders will get 654.38 million points and platinum card holders will get 200,000 points after the annual fee of the main card is paid as scheduled. After paying the annual fee of the secondary card on schedule every year, you can also get extra points according to the above standard of 50%, which will be included in the main card account;
The annual fee standard of the main gold card is 180 yuan/year, and the annual fee standard of the auxiliary card is 90 yuan/year; The annual fee standard for platinum card is 360 yuan/year, and the annual fee standard for supplementary card is 180 yuan/year. Once the annual fee form is determined, it cannot be changed during the whole credit card account opening period.
Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder is activated, the bank may not charge an annual fee for the credit card. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.
The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.
However, the annual fee standard of different bank credit cards will vary according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee for Pudong Development Co-branded Card 360 yuan; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.
References:
Official website of Shanghai Pudong Development Bank
How much is the annual credit card fee of Shanghai Pudong Development Bank?
The annual fee collection standard of Shanghai Pudong Development Bank's credit card will be different due to different card types, as follows:
1, Puka, simple gold card: main card 180 yuan, auxiliary card 90 yuan;
2. Gold card and simple platinum card: main card 360 yuan, auxiliary card 180 yuan;
3. Business Travel Gold Card and Simple Platinum Card Category: 400 yuan as the main card and 200 yuan as the supplementary card;
4. Standard Platinum Card: the main card is 680 yuan, and the auxiliary card is free;
5. High-end platinum card for business travel: main card 1500 yuan, and auxiliary card 750 yuan;
6. High-end platinum card: 3,600 yuan for the main card and 1.800 yuan for the auxiliary card;
7. Super Platinum Card: RMB 0/0000 for the main card and RMB 5,000 for the auxiliary card.
Although there is an annual fee for credit cards, banks often launch many activities when users apply for credit cards. For example, the annual fee is free in the first year, and the credit card is enough to avoid the annual fee in the second year. Therefore, in the process of applying for a credit card, users must ask the bank staff about the situation.
Of course, there is another aspect that needs your attention. There is also an annual fee for supplementary cards of credit cards. In terms of charging standard, it is usually half of the main credit card, which means that the higher your credit card level, the higher the annual fee corresponding to the supplementary card. However, supplementary cards can usually be exempted from annual fees by swiping their cards, which users need to pay attention to during use.
Matters needing attention in credit card processing:
1. processing method. There are many ways to handle credit cards, such as bank counter handling, online handling and salesman handling. However, it should be noted that it is best not to do it yourself online when handling, because without the guidance of bank staff, it is easy to fill in incomplete information and the probability of card disconnection is small.
2. Choose the card that suits you. Different levels of credit cards have different requirements for applicants. Therefore, if the conditions are not up to standard, users should try not to apply for a higher-level credit card. Because of this, the probability of being rejected by the bank is still very high.
3. Try to provide all kinds of information. When handling credit cards, banks only look at the applicant's credit and repayment ability. Therefore, if the user provides a strong economic proof, it will be of great help to the amount of the card.
How to charge an annual fee for the gold card of Shanghai Pudong Development Bank?
Shanghai Pudong Development Bank credit card gold card annual fee collection standard:
The annual fee for the standard credit card of Shanghai Pudong Development Bank is 360 yuan/year for the main card and Kloc-0/80 yuan/year for the supplementary card.
Annual fee for Platinum Card of Shanghai Pudong Development Bank:
Standard Platinum Card: The main card is 680 yuan/year, and the auxiliary card is free.
Simplified Platinum Card 360 yuan/year as the primary card and KLOC-0/80/year as the secondary card.
Zunshang Platinum Card is the main card in 680 yuan/year, and the supplementary card is free.
Pufa Wealth Gold Card Master Card 180/ year.
The annual fee of China Eastern Shanghai Pudong Development Co-branded Credit Card Gold Card, Titanium Card and Simplified Platinum Card is 360/ year, and the supplementary card is 180/ year.
China Eastern Shanghai Pudong Development Co-branded Credit Card Platinum Card 1500/ year, Sub-card 750/ year.
How much is the annual credit card fee of Shanghai Pudong Development Bank?
The annual fee of Shanghai Pudong Development Bank's credit card mainly varies according to the credit card level. Annual fee for the master card of Puka 180 yuan/year, and annual fee for the secondary card of 90 yuan/year; The annual fee of the main gold card is 360 yuan/year, and the annual fee of the supplementary card is 180 yuan/year; Platinum card annual fee is 3,600 yuan/year for the main card and 65,438 yuan +0.800 yuan/year for the auxiliary card; The annual fee for the standard platinum card is 680 yuan/year, and the supplementary card is free of annual fee.
Under normal circumstances, credit cards charge an annual fee, and their own credit cards have a certain interest-free period. In addition to installment fee, cash withdrawal interest and handling fee, the annual credit card fee is also an income of bank credit card business. The annual fees of different credit card products vary from bank to bank. It is worth noting that the annual fees of some specific credit card products will still be different. In addition, the credit card of Shanghai Pudong Development Bank has an annual fee-free policy. Under normal circumstances, both Puka and Gold Card can enjoy the annual fee exemption in the first year, and after meeting certain requirements, they can be exempted from the annual fee in the next year.
Shanghai Pudong Development Bank (hereinafter referred to as Shanghai Pudong Development Bank or Shanghai Pudong Development Bank) is a national joint-stock commercial bank established with the approval of the People's Bank of China on August 28th, 1992. 19931October 9th, and it was successfully listed on the Shanghai Stock Exchange (stock exchange code: 600000). Its headquarters is located in.
In 20 18, Shanghai Pudong Development Bank ranked 70th in Forbes "Top 2000 Global Enterprises". The British "Banker" ranked 25th in the "Top Global Banks 1000"; America's Fortune 500 ranked 227th. Shanghai Pudong Development Bank is one of the few joint-stock commercial banks in China that have been rated as investment grade or above by three international rating agencies.
While deeply cultivating financial services, Shanghai Pudong Development Bank actively practices social responsibility and is committed to building excellent corporate citizens. In 20 18, Shanghai Pudong Development Bank was awarded "Best Precise Contribution Award for Poverty Alleviation" and "Best Special Contribution Award for Social Responsibility" by China Banking Association, and "Best Green Finance Award" by China Banking Association in 20 17. In the new round of development, Shanghai Pudong Development Bank will fully implement the spirit of the 19th National Congress of the Communist Party of China, the National Financial Work Conference and the Central Economic Work Conference, adapt to changes in the situation, adapt to trends, take advantage of the situation, promote transformation and development, persist in taking customers as the center and take technology as the guide, build a first-class digital eco-bank, and strive to become the vanguard of high-quality development of the financial industry in the new era.
Let's stop here for the introduction of the annual credit card fee of Shanghai Pudong Development Bank.