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.