Sequelae of PUFA Bi Fu Jin

First of all, we should know that Bifujin is a consumer installment business, while universal payment is a cash installment business. Both of them belong to different credit card loan businesses of Shanghai Pudong Development Bank, and their essential differences also enable them to coexist. In other words, you can apply for Bifujin and Universal Gold at the same time, and it has been confirmed by the relevant customer service of Shanghai Pudong Development Bank. Therefore, as long as you meet the application conditions, you can not only have double rich gold, but also have universal gold. As for the difference between the two, Bi Fujin can only handle free installment or bill installment, while universal payment can only handle cash installment business. Bifujin doesn't occupy the credit card limit at all, but if you use universal cash after withdrawing cash by credit card, it will occupy the credit card consumption limit, but if you use independent universal cash limit, it will not be occupied.

In the case of applying for 12 installment at the same time, the installment interest rate of Bifujin is 0.74%, and the installment interest rate of universal payment is 0.8%. Although the difference is only 0.06%, the actual amount is not as small as everyone thinks. For example, the loan 10000 yuan, the rate of double rich gold is 74 yuan, the rate of universal gold is 80 yuan, and the difference of the whole loan term rate is 72 yuan. Whether it is double rich gold or universal gold, if users need to repay in advance, they need to call the credit card customer service hotline of Shanghai Pudong Development Bank to apply for termination of installment. If Bi Fujin repays in advance, he only needs to pay the remaining outstanding principal and handling fee in one lump sum. In addition to paying 3% of the principal as liquidated damages, Shanghai Pudong Development Bank will not refund the handling fee paid once before. If not, the remaining unpaid principal fee will not be paid.

Can I cancel my account with Pudong Credit Card?

Bifujin has the advantages of exclusive quota, quick handling, installment financing and smoother consumption, and is only used by designated cardholders who receive SMS invitation when handling free installment business or bill installment business. Of course, if you get the double rich gold quota and don't want to use it, you can also close it. However, the cardholder cannot close the double-rich-gold quota by himself, and whether it can be closed is mainly divided into two situations.

1. Turn it off before use: you need to call the customer service hotline of Pudong Development Credit Card at 400-820-8788 to call the manual customer service to cancel;

2. Close after use: it can only be closed after prepayment. In advance payment, you need to call the customer service hotline, transfer to manual customer service and apply to customer service. Customer service will review your personal data, calculate the corresponding repayment amount after approval, and then you can repay in advance, and then close it to customer service after successful repayment.

Does it matter if Pudong Credit Card is closed?

Generally speaking, Bifujin's bankruptcy will have no impact, except for the loss of a special installment quota. You can also apply for bill installment and free installment.

If you insist that it has an impact, the most direct thing is to apply for installment after bankruptcy and occupy the credit line.