How long will it take for the repayment data of Pudong Development Credit Rationing to be approved?

It will take about two or three days for the repayment data of Shanghai Pudong Development Bank to pass the audit, depending on the bank. Some users broke the news that their credit cards have been in arrears for more than a year, but the bank has never agreed. After the approval, the audit time is about 7 days, but there will still be a collection after the audit. Later, after complaints, the negotiations were successful.

1. What does a credit card mean?

Credit card is a card issued by commercial banks or credit card companies, which mainly has the function of overdraft consumption. The bank will give the credit card a credit line first, and the user can use it first and then pay it back. Credit card consumption is a non-cash payment method, so you don't need to pay cash when you consume, and then repay it on the account date. Another feature of credit card is interest-free period, that is, repayment within a specified time, and overdraft consumption does not require interest. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.

2. What is the credit card limit?

The credit card limit is determined by the bank according to the applicant's credit status and the credit card grade applied for, and generally follows the following standards: 1. Credit card general credit card limit: 0- 1 ten thousand yuan; 2. Credit card gold card amount:1-50,000 yuan; 3. Platinum card and above: more than 50,000. The specific amount is subject to the final approval of the bank. In order to obtain a high credit limit, it is necessary to provide as many financial certificates as possible, ensure good credit information, and apply for a card through the door of a salesman or the counter of a bank branch.

To sum up, credit card consumption is a popular form of consumption at present. After use, you should repay the loan regularly at the specified time, and try not to breach the contract, otherwise it will not only have interest but also affect the credit information. Users should passively or actively inform themselves of all the arrears, and communicate with the bank in time if there is any unpaid situation, whether it is collection or telephone contact. If the agreement is unsuccessful, they can defend their rights through legal channels.