Credit card withdrawal SMS of Shanghai Pudong Development Bank

Every bank has its advantages and disadvantages. What are the disadvantages: it is difficult to apply for a card, the amount is low, and it is difficult to raise a card. These are places where many people love and hate credit cards. What are the advantages: of course, it is a high amount, and there is a large loan behind the credit card. This is the biggest advantage of people with financial needs.

I applied for the Platinum Dream Card of Shanghai Pudong Development Bank from June 2065438 to June 2007. Because this card is a platinum card, it has many rights and interests, and it is free of annual fee. So I got this card at that time. Because it is a good question of credit investigation, the card was issued in more than a week, and the amount of the card was 50,000. After activation, there will be 49 thousand universal gold

50 thousand platinum card is also a comparison, and the amount can be calculated. Although I am not short of money, I also want to bring this card to see what the surprise is. So there has been credit card consumption and card maintenance. In this rapid time of more than a year, the number of credit cards and the amount of consumption are also used more.

Judging from the consumption situation in the past year, the basic monthly consumption has reached 30-80% of the total.

Consumption is also very diversified. Shopping, catering, jewelry, clothing, supermarkets, etc. It is basically consumed by many industries. 1-2 for large amount, use 2 to 5, and 20 for small amount.

The number of credit card swipes is a small consumption of more than 20 and less than 3000. There are also one or two within 3000- 10000. If it is less than 20 thousand, sometimes it will cost a sum. Every time the consumption exceeds 10000, the basic bank will increase the amount of universal funds.

Universal funds range from 49000-77000-105000-15.5-205000-265000. Among them, when it was 6.5438+0.05 million yuan, the bank called to remind me that there was still 6.5438+0.05 million yuan of universal money for me to use. Because I don't have this demand, I didn't use the universal fund. When it reached 205,000 yuan, the bank also called me to tell me that I had 205,000 yuan, saying that I could buy a car and decorate my home. When it reached 265,000 yuan, the bank said: You see, your credit information is very good, and the universal fund has been increased, which can be used for car purchase, decoration and capital turnover. I don't have this demand myself, so the omnipotent money has been useless.

Two days ago (May 19), Shanghai Pudong Development Bank also sent me a short message to increase the quota. The quota has been raised from 50,000 to 60,000 now.

I used Pudong Development Credit Card for more than a year to summarize three credit card withdrawal skills:

1, pay attention to the monthly credit card amount.

It is not simple to swipe your card, the more the better, and you must cooperate according to the size and amount. It is best to increase consumption. For example, at the beginning, about 30-50% of the total amount of credit card swiping is reserved every month, and then an application for withdrawal is made several months later. After withdrawing money on this basis, you will spend 50-80%.

2. Repayment must be made in full and on time. This is necessary for every bank's credit investigation, and overdue is very unfavorable for credit investigation. In any case, the cardholder must do it. If he can't do it, he would rather not use a credit card.

Step 3 consume a lot

Shanghai Pudong Development Bank is a bank that likes to spend a lot of money. If you spend a lot of money, banks will basically increase the amount of universal funds. After all, the universal currency earns more interest than your credit card, so it is understandable that the bank will increase the limit of the universal currency to tempt you to use it.