How about Shanghai Pudong Development Bank checking credit cards?

How much is the annual fee for checking credit cards in Shanghai Pudong Development Bank?

Friends who have used credit cards know that the annual fee is the first course charged by the bank, and you can enjoy all the services provided by the bank on the basis of this course. But different banks charge different fees. Here, take the check credit card of Shanghai Pudong Development Bank as an example to introduce it to you.

Credit cards issued by banks generally require an annual fee (see: do all credit cards have an annual fee? ), and the annual fees of different levels of credit cards are different. The higher the credit card level, the more expensive the annual fee. The annual fee of credit card is mainly divided into rigid annual fee, non-rigid annual fee, conditional annual fee exemption and unconditional annual fee exemption, as follows:

1, rigid annual fee: annual fee is charged for card opening. There is no annual fee-free condition, and some cards will charge an annual fee if they are not activated, generally referring to high-end cards.

2. Non-rigid annual fee: you can exchange points or swipe your card to a certain value to reduce the annual fee;

3. Conditional annual fee exemption: For credit cards with low difficulty in annual fee exemption, the annual fee is generally reduced or exempted according to the number of swipes. If the number of swipes is not enough, you can call customer service to ask if you can make up the annual fee.

4. Unconditional annual fee exemption: In order to issue cards, some banks often give credit cards unconditional annual fee exemption within the validity period. Even if you don't open a card, don't worry about the annual fee.

The current PUFA KUCHA credit card is a UnionPay platinum card, but it belongs to the kind of unconditional annual fee exemption. That is to say, even if you apply for this platinum card, whether it is activated or not, whether it is used or not, the annual fee will not be deducted.

In addition to unconditional annual fee exemption, the benefits of this check card are also remarkable, as follows:

1. Core rights and interests:

Send it as soon as you get the card 1000 yuan coupon for Temple Library Mall.

3, 6, 12 installment payment 0 handling fee

Exclusive credit card installment payment 100 yuan.

Enjoy a discount of up to 3% on shopping.

2. Exclusive rights and interests

Enjoy Haitao shopping and enjoy 5% rebate.

Global WIFI is free

Starwood enjoys a 20% discount.

Five-star hotel afternoon tea "50% off for two"

Online shopping comprehensive insurance

How about the credit card of Shanghai Pudong Development Bank? What are its advantages and disadvantages?

Pufa credit card is quite good. Pufa Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank, which enjoys various discounts and can also apply for photo cards for free.

At present, on the basis of its basic functions, the security measures for the use of credit cards involve all-round situations before, during and after the event. * * * Designed six security measures, including the earliest free SMS, instant messaging, photo card, priority dispute handling, etc., and has a unique 24-hour anti-fraud function, which can timely warn suspicious transactions and take precautions in advance. in addition

Extended data:

Credit has many advantages, which can be summarized as follows:

1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.

2. Be able to participate in various preferential discount activities for cooperation between merchants and banks, and enjoy various discounts for cooperation between merchants and banks.

3. Value-added services. All kinds of credit cards introduced by banks are accompanied by some value-added services. At present, the services provided by banks can be divided into seven categories: cash return, lottery, shopping discount, free insurance, travel service, personal financial report and other value-added services. These are the extra benefits that credit cards bring us.

What is the credit card limit of Shanghai Pudong Development Bank library check?

Shanghai Pudong Development Bank issued a new card, which is a check credit card of Shanghai Pudong Development Bank. The slogan "Give yourself a check with a life attitude" has attracted the attention of many card friends. Then, what's the credit card limit for this cashier's check? Let's take a look together.

Shanghai Pudong Development Bank Cheque Credit Card is a joint-name card jointly created by Shanghai Pudong Development Bank Credit Card and Temple Library. * * * There are two options: UnionPay version and MasterCard version.

If you apply for a card now, you can get over-value benefits, such as giving a coupon of RMB/kloc-0,000 to Temple Store, handling fee of RMB 0 for Phase 3, Phase 6 and Phase 1 2 of Temple Store, and exclusive credit card payment for installment 1 RMB, with the highest discount of 3% for shopping.

So, how much can you get?

The credit card quota of Shanghai Pudong Development Bank is comprehensively scored according to the materials provided by the applicant. If the system score meets the card issuing conditions, the card can be issued, and the amount of card issuance approval is also determined by the score.

In addition, the credit card limit of PUFA is also related to the card level. Different levels of credit cards have different credit lines, and the higher the level, the higher the credit line. Generally speaking, the amount of Puka is less than 6.5438+0 million yuan, the amount of Gold Card is between 6.5438+0 million yuan and 50,000 yuan, and the amount of Platinum Card is more than 50,000 yuan.

This check credit card of Shanghai Pudong Development Bank is a UnionPay Platinum Card, so the minimum amount is 50,000 yuan, and the maximum amount is not capped. The specific amount is determined according to the qualifications of the applicant. Everyone's situation is different, and the approved quota is the same. The better the qualification, the higher the card approval amount.

It should be reminded that the limit of any credit card will not be fixed, and the bank will decide whether to increase or decrease the limit according to the cardholder's card usage, so friends who get low-limit credit cards should not be discouraged. As long as they use the cards well, they will develop the limited credit cards into large cards sooner or later. (Please refer to for details.

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Is there a quota?

If the cardholder has more than one credit card, all the credit cards under the same account will enjoy a credit line, but this credit line is not cumulative. When the consumption of any card and account reaches a certain amount, the available credit limit of these cards and accounts will be reduced accordingly.

For example, your bank check credit card has a limit of 50,000 yuan, while the other Pudong Development Credit Card has a limit of only15,000 yuan. When the checking card runs out of 50 thousand yuan, the other card is useless. On the other hand, if another card costs 15000 yuan, your checking card can continue to charge 35000 yuan.

In short, the total amount of * * * depends on the card with higher amount.

Conditions/Methods of Applying for Cheque Credit Card of Shanghai Pudong Development Bank

Shanghai Pudong Development Bank bought a credit card that claimed to write a check for itself with a life attitude, and its rights and interests were quite good, which attracted the attention of many cardholders. Then, how to handle this bank check credit card? What are the application conditions? Let's take a look together.

Shanghai Pudong Development Bank Cheque Credit Card is a joint-name card jointly created by Shanghai Pudong Development Bank Credit Card and Temple Library. * * There are two options: UnionPay version and MasterCard version. After the card is activated, you can enjoy multiple benefits, such as giving a coupon of RMB 1 000 to Temple Store, and handling fees for the 3rd, 6th and 2nd phases of Temple Store.

Card processing condition

1, age 18~60 years old;

2. Have a stable job and income source and have the ability to repay;

3. No bad credit.

These three points are the basic conditions for applying for a credit card, but some friends have no job, no RV and no deposit, but they also want to apply for this bank check credit card. What should they do? Here are two ways to teach you:

1, no job, but other cards-use cards to handle cards.

If the cardholder had a credit card earlier, he might as well use this card as proof of financial resources and apply for a cheque credit card of Shanghai Pudong Development Bank. This method is not only convenient and fast, but also fast for card approval. The credit limit will refer to the credit limit of the existing card, or be higher than the credit limit of the existing card.

Submission: the applicant's identity certificate and the original credit card of another bank.

2. No job, but relatives have a primary card-apply for a secondary card.

If it really doesn't work, let your immediate family members, such as parents, children or spouses, apply for this bank check credit card, and then let them apply for a supplementary card for you. However, the secondary card and the primary card * * * share a quota, and the cardholder of the primary card can specify the quota of the secondary card. If the secondary card is overdue, it will affect the credit of the main card holder.

Submission materials: if the main cardholder applies, he shall provide the valid identity certificate of the supplementary card applicant; When applying for supplementary card, the cardholder shall provide the identity certificate of the applicant, and fill in the applicant information of the main card and supplementary card completely in the application form.

How about the credit card of Shanghai Pudong Development Bank?

Pufa credit card is still good, it has the following advantages:

There is no annual fee, so don't worry about being detained.

VISA UnionPay dual-currency credit card can also be used abroad.

The official WeChat account has a credit card and repayment reminder, and there is no need to download the app.

It should be noted that PUFA's annual fee-free credit card is unconditional, not the kind that only exempts annual fees within the validity period, and does not need to be swiped several times.

This is also the main reason why I applied for this card.

Finally, talk about the shortcomings. In the first year of using the card for 5 years, I will always receive a phone call from the staff of Pudong Development Bank to recommend its universal gold.

The Credit Card Center of Shanghai Pudong Development Bank (hereinafter referred to as "Shanghai Pudong Development Bank") was established on June 5438+ 10, 2004. Is established by Shanghai Pudong Development Bank, specializing in credit card business.

The product service system of Shanghai Pudong Development Bank Credit Card Center includes: Shanghai Pudong Development Bank Dream Card, a credit card product that can be customized by users; Cooperate with popular institutions and brands at home and abroad, such as the Forbidden City, Barcelona Football Club and Little Pig Xiao Pi, and cooperate with aviation industry, hotel industry, department store industry, communication industry and Internet platform to launch joint theme credit card products.

Jointly issue high-end card products with rich rights and interests with domestic and foreign card organizations such as VISA, American Express and MasterCard International.

The Credit Card Center of Shanghai Pudong Development Bank launched credit card preferential platforms such as "Dream Family Club" and "Xiaopu Huahui", and launched market activity systems such as red envelopes, movies, miles and hotels.

Shanghai Pudong Development Bank Credit Card provides mobile service platforms such as Puda Xiben APP.

What is the most cost-effective way to use the check credit card of Shanghai Pudong Development Bank?

If you want to give yourself a check with a life attitude, you might as well get a check credit card from Shanghai Pudong Development Bank, which can make you enjoy very good rights and interests, and you can save a lot of money by shopping or Haitao. So, how to use this credit card is the most cost-effective? Let me introduce it to you below.

Shanghai Pudong Development Bank Cheque Credit Card is a joint-name card jointly created by Shanghai Pudong Development Bank Credit Card and Temple Library. * * There are two options: UnionPay version and MasterCard version. After the card is activated, you can enjoy multiple benefits, such as giving a coupon of RMB 1 000 to Temple Store, and handling fees for the 3rd, 6th and 2nd phases of Temple Store.

As for how to use the card is the most cost-effective, first of all, you have to swipe your card from its discount, and secondly, you have to master the time of swiping your card so that you can enjoy a longer interest-free period. For more information, see the following:

1, swipe your card according to preferential benefits.

Pay attention to this, because there are two versions of this credit card, the UnionPay version should be swiped in China, and the MasterCard version is good for Haitao.

1 unionpay edition:

The most cost-effective usage is to buy it online from the temple library APP, and then handle the installment business, which is divided into 3, 6, 9 and 12. If the single installment amount reaches 5000 yuan before June 30, you can also return 100 yuan.

In addition, if you shop in the Temple Store app in stages on the 20th of each month, you can enjoy the commodity price discount according to the number of stages, 30% discount for the third and sixth stages, 12 discount for other time periods, and MasterCard discount for the sixth stage.

Enjoy Haitao shopping in Leyou and enjoy 5% long-term effective rebate reward; Book Starwood Hotels and Resorts in Asia-Pacific for two nights, pay with MasterCard and enjoy a 20% discount. Five-star hotels designated by China can enjoy a 50% discount for two people when they complete the reservation and payment in the afternoon tea restaurant.

2. Enjoy the longest interest-free period for single-day consumption.

The longest interest-free period of the check credit card of Shanghai Pudong Development Bank is 50 days, and the shortest is 20 days. The most cost-effective consumption method is naturally to grasp the time of swiping the card.

Usually, the interest-free period of a credit card is affected by three factors, one is the date of swiping the card, the other is the date of billing, and the other is the date of final repayment.

If you swipe your card one day after the bill date, it is the most cost-effective, because you can enjoy the interest-free period of up to 50 days, while swiping your card on the bill day can only enjoy the interest-free period of 20 days. Seeing this, everyone understands.

Finally, I would like to remind you that although you can use the check credit card of Shanghai Pudong Development Bank to shop at will, you should exercise restraint when using it. After all, the overdraft will be paid back sooner or later. For pickpockets, the most cost-effective way is not to use cards.

So much for the introduction of Shanghai Pudong Development Bank's checking credit card.