If you want to own the Platinum Card of Shanghai Pudong Development Bank, you can start with the simplified version of the Platinum Credit Card of Shanghai Pudong Development Bank. This kind of platinum card has a low application threshold and is still easy to apply for. So, how about this simple law popularization? Let's analyze it from four aspects to see if this is a credit card worth applying for.
This simple platinum card of Shanghai Pudong Development Bank is known as "the lowest threshold platinum card". This card is exactly the same as other platinum cards in Pufa. The word "platinum" is obvious, but it is still far from them.
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1. Judging from the application conditions, you can apply for Pudong Platinum Credit Card as long as you are over 18 years old, have no bad credit record, and have an annual after-tax income of RMB120,000 yuan (inclusive).
2. Judging from the application amount, the credit amount of ordinary gold cards in other banks is between 1000 yuan and 50,000 yuan, while the credit amount of platinum cards in Pudong Development Bank is just ordinary cards, and many cardholders only approve the credit amount of 2,000 yuan.
From the point of view of annual fee, this card is free of annual fee for life, which is the only place that has a slight advantage over other bank platinum cards.
4. From the perspective of rights and interests, the simplified version of Platinum Card does not provide reasonable rescue, aviation insurance and other services, and aviation points are redeemed 1 mile (standard version redemption 15 minutes). Except that the withdrawal space is higher than that of Puka, other services are basically the same as Puka.
Therefore, many netizens joked that the card has a platinum "face" but it is a Puka "heart". They feel that if it is not necessary, it is better not to apply, which is too insincere.
By the way, introduce the key parameters of the simplified version of Pudong Platinum Card:
Cash advance: 2% of the cash withdrawal amount, with a minimum of RMB 20/USD 2/EUR 2/GBP.
Late payment fee (RMB or USD): 5% of overdue repayment amount.
Interest: The expected annualized daily interest rate is 0.05%.
Interest-free period: up to 50 days.
ATM pure overpayment cash withdrawal: ATM of the Bank: 0.5% of the cash withdrawal amount, with a minimum 5 yuan per transaction; Other bank ATMs: 2% of the cash withdrawal amount, with a minimum of RMB 20/USD 2/EUR 2/GBP.
Order reading fee: short version: 20 yuan/pen.
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Pufa Platinum Credit Card (Simplified Edition)
[img] What is the amount of platinum credit card of Shanghai Pudong Development Bank?
The credit card limit of Shanghai Pudong Development Bank depends on the qualifications of the applicant. The amount of platinum card is more than 50,000 yuan, the amount of ordinary card is less than 1 10,000 yuan, and the amount of gold card is between 1 10,000 yuan and 50,000 yuan. Not all platinum cards of Shanghai Pudong Development Bank are free of annual fees, and only some platinum credit cards can enjoy annual fees for life. For other platinum credit card products, it is often necessary to meet certain conditions to enjoy the annual fee exemption or reduction policy.
Shanghai Pudong Development Bank's simple platinum credit card is free of annual fee in the first year, and it is free of annual fee in the following year if it is spent more than 6 times a year. For example, Pufa Yangtze River Delta Shopping Theme Edition Platinum Credit Card is free of annual fee for life; Pufa Platinum Dream Card is also free of annual fee for life.
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.
The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Improve quota skills
First, continuous and frequent credit card consumption
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.
Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think that it is+++,and it is difficult to increase the quota.
Second, pay attention to the credit card limit and temporary withdrawal.
Pay attention to the credit card limit and make full use of temporary withdrawals.
Third, stick to application and seize the opportunity of application.
Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on telephone application to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.
4. Threaten to use the cancellation card or suspend sleep.
Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.
What is the amount of platinum credit card of Shanghai Pudong Development Bank?
Shanghai Pudong Development Bank Platinum Credit Card has several types of cards, including simple platinum card, standard platinum card, high-end platinum card and ultra-platinum card. The amount is different at the time of approval. Simple Platinum Card: As a card for mass consumption, the simple Platinum Card generally has a usage quota of 8,000 yuan to 50,000 yuan.
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After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal. Card issuance is usually based on audit. According to the application materials, the bank will review the information and economic situation of the applicant to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
On the card face of a credit card, there are at least the following information: front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo,++,English or pinyin name, activation date (usually calculated to month) and validity period (usually calculated to month). Chip account and card magnetic stripe account are two relatively independent accounts. Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline,++last four digits or all++(to prevent fraudulent use), credit card security code (the last four digits of the signature column on the back of credit card are followed by three digits for credit card activation, password management, TV, telephone and online transactions, etc. ). Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation should be completed within 45 days after the application. Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. Then, according to the issuing bank and the currency to be paid, select the corresponding POS machine, brush the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, contact the bank and pay++,and input the corresponding amount.
What is the general limit of Pudong visa Platinum Credit Card Simplified Edition?
The credit card limit is closely related to the application conditions. Even a platinum card is easy to handle, but the corresponding amount is not so considerable. Today, I will introduce you to a platinum credit card with good application-Pudong visa Platinum Credit Card Simplified Edition. Friends who care about the quota can have a look. What is the general limit of this simplified version of PUFA visa Platinum Credit Card?
First of all, let's learn about the amount that Shanghai Pudong Development Bank generally gives for different card grades:
1, Pudong Development Bank Credit Card Puka: The amount is generally below 1 10,000;
2. Shanghai Pudong Development Bank credit card gold card: the amount is generally between 1 10,000-50,000;
3. Shanghai Pudong Development Bank credit card platinum card and above: the amount is generally more than 50,000 yuan.
However, when Shanghai Pudong Development Bank approves the specific quota, it will score according to the applicant's credit situation and then determine the quota. Generally, the credit card limit is not too high, and it is difficult for cardholders with poor credit status to apply for a high limit.
The simplified version of PUFA visa Platinum Credit Card, because the application threshold is relatively low, customers with a monthly salary of 30,000 can apply, so the credit limit is not as high as other PUFA Platinum Cards.
The amount of the simplified version of PUFA visa Platinum Credit Card is generally 6000 yuan. Of course, cardholders with strong economic strength also have the opportunity to get a maximum amount of more than 50 thousand yuan.
How about Pufa visa Platinum Credit Card? Is it a premium platinum card?
I would like to remind you that for Platinum Credit Card, although the amount of several thousand yuan is really low, if it can meet your card demand, it is recommended not to rush to cancel the card. After all, a high-value platinum card is not so easy to handle.
The introduction of Pufa Simple Platinum Credit Card ends here.