How to use universal credit card?

What does the universal fund of Pudong Development Credit Card mean?

Universal cash is a credit service launched by Shanghai Pudong Development Bank for credit card customers. It is to increase the cardholder's cash withdrawal limit without occupying the credit limit of the card. In fact, it is a loan issued outside the credit line. However, some PUFA credit card customers do not have a common currency.

How to use the universal fund of Shanghai Pudong Development Bank Credit Card: Users can withdraw it from the savings card of Shanghai Pudong Development Bank, and they need to go to the outlets of Shanghai Pudong Development Bank to handle the business, and they can use it after handling it. Users can withdraw from other bank card accounts, which will take effect 24 hours after applying to the bank. Pay attention to the effective information sent by the bank. Banks encourage users to repay in installments, and users can try to choose installments; If the user wants to repay the loan in advance, he needs to pay a corresponding proportion of liquidated damages.

Consumer reserve fund is an installment payment service provided by Shanghai Pudong Development Bank, mainly to meet customers' own consumption needs. Therefore, after successfully applying for the consumer reserve fund, it is limited to hand consumption (including but not limited to hand decoration, home appliances, weddings, car purchases, student travel, medical department stores, etc.). ). However, among non-consumer gains and losses such as real estate, stocks, futures, wealth management and equity investment, they cannot be used for non-consumer gains and losses such as production and operation to repay other debts, engage in illegal fund-raising and other illegal activities, and cannot be withdrawn or transferred.

Gold coins can only be reserved in RMB, and the application amount must be an integer multiple of People's Republic of China (PRC) RMB 1 000 yuan, and the amount of each leaflet shall not exceed RMB 1 000 yuan. If the purpose of the special consumption reserve fund is limited, and some staff of Shanghai Pudong Development Bank terminate the reserve fund business ahead of schedule and demand to pay the installment balance in one lump sum, Shanghai Pudong Development Bank has the right to refuse our application for handling the business again.

It is a very serious matter that Shanghai Pudong Development Bank passes the certification and does not upload it. The bank itself requires the borrower to upload the consumption voucher, which is a risk control measure of the bank to detect whether the borrower has illegally operated the loan amount. If the user fails to upload the consumption voucher within the specified time after receiving the notice from Shanghai Pudong Development Bank, then Shanghai Pudong Development Bank has the right to ask the borrower to repay all the arrears in advance, which will undoubtedly bring some repayment pressure to the borrower, and in addition, it will also affect the credit status of the user in Shanghai Pudong Development Bank.

There are three ways to use Pufa Credit Card Universal Fund.

1. Users can withdraw the universal funds of Shanghai Pudong Development Bank to the savings card account of Shanghai Pudong Development Bank, and the account will be received after the business is handled;

2. Universal funds can be withdrawn from other accounts of users, but it takes 24 hours for this business to arrive;

3. Users can submit relevant applications to Shanghai Pudong Development Bank. After using the credit card, they can repay the loan in installments.

The above is how to use the Pudong Credit Card Universal Fund.

How to repay the universal fund of Shanghai Pudong Development Bank?

After the universal fund is processed, the installment principal and interest will be paid together with the credit card bill. If the user needs to pay back, he can pay back directly to the credit card according to the bill amount. If the user needs to repay in advance, he will choose to pay interest by sharing when applying. Although the account interest paid in advance in the remaining installments can be exempted, the user must pay the remaining principal and 3% of the remaining undistributed expenses as contract liquidated damages in one lump sum, and the paid interest will not be refunded. If the user chooses to pay interest in one lump sum when applying, the user must pay the remaining funds in one lump sum, and the paid interest will not be refunded, but the interest of the prepayment account in the remaining installments can be exempted.

Does Pufa Universal Fund accept credit cards?

The universal fund of Shanghai Pudong Development Bank is the supplementary loan function of credit card. Universal funds are applied within the available cash withdrawal limit of Shanghai Pudong Development Bank's credit card, which means that the universal funds of Shanghai Pudong Development Bank are the applicants who occupy the original credit card limit. Once the application is successful and the Pudong Universal Fund is used, the original credit card limit will be reduced accordingly. If the universal fund of Shanghai Pudong Development Bank is overdue, it is difficult to recover the credit card relief. For users who apply for and use the universal fund, they must repay in full and on time after using the universal fund, and there can be no overdue situation. In addition, the universal fund of Shanghai Pudong Development Bank can repay in advance.

Difference between Shanghai Pudong Development Bank's Consumption Provident Fund and Universal Fund

1, the main purposes are different: the consumer reserve fund of Shanghai Pudong Development Bank is located in the consumption field, and the funds after application are only used for consumption, and it is not allowed to withdraw money or transfer money; The universal fund of Shanghai Pudong Development Bank is positioned in cash installment. After completion, the funds will be transferred to the personal savings card, which can be withdrawn, transferred and used for consumption.

2. The interest on prepayment is different: the consumer reserve fund can voluntarily suspend the related service consultation of Shanghai Pudong Development Bank Credit Card Center, but all the remaining principal and service fees in installments need to be paid in one lump sum, and the paid service fees will not be refunded; Shanghai Pudong Development Bank Universal Fund applied for early termination of the universal fund business process. After the application is completed, 3% of the contract penalty will be deducted, and the installment fee will be deducted once and will not be refunded.

This article is mainly about how to use the knowledge points of Pudong Credit Card Universal Fund, and the content is for reference only.

How to repay Pufa Universal Fund? These tricks are very common and convenient.

Pufa Universal Fund is actually a credit card loan product. Of course, if you borrow money from the bank, you have to pay it back. Then, what are the common and convenient repayment methods of Pudong Universal Fund?

The repayment of Pudong universal fund is the same as that of credit card bill. After the universal fund application is successful, the cardholder's cash installment quota will be frozen, repaid on schedule, and the quota will be restored one by one. In addition, you need to apply for universal fund to repay in advance. If you don't apply, you will pay more money, so this money will be regarded as an overflow deposit.

The following are several common and convenient repayment methods of Pufa Universal Fund:

1, Puda Xiben APP

Pufa Credit Card holders can log in to Pufa Daben APP to learn the details of the current bill on the "My" page and make repayment. Among them, the repayment amount of each universal fund will be recorded at the same time, and the bill will be paid off to complete the repayment of the universal fund.

2. WeChat official account

Pay attention to and bind the official WeChat account "Shanghai Pudong Development Bank Credit Card", enter the repayment page-"installment-repayment" in the "micro-service" menu bar, and complete the repayment operation according to the amount shown in the bill.

In addition, the repayment of Pudong Universal Fund can also be carried out through the bank official website, and the cardholder logs in to the online banking account to operate the repayment; Open the automatic repayment function, bind a PUFA savings card to ensure that there is enough repayment amount in the savings card, and the banking system will automatically deduct money on the due repayment date to realize worry-free repayment.

You can use the above methods to repay the Pudong universal fund. Whether the repayment can be made on time is related to the quality of personal credit information, and card friends must not be careless.

How to use the universal fund of Shanghai Pudong Development Bank?

There is no provision for the use of Pudong universal fund. You can use your credit card or withdraw cash for transfer after receiving the account, but you must use it according to the purpose agreed at the time of application. For example, Pufa Universal Fund can be used in decoration, home appliances, wedding, car purchase, education, tourism, medical care and other consumer fields. If Pufa Universal Fund is for decoration reasons, it can only be used for decoration.

1. Many people will ignore the use of Pudong Universal Fund and use it in non-consumer fields such as production, operation and investment, such as stock trading, fund purchase, wealth management and even credit cards. These banks will not support it, and don't take any chances, thinking that banks will not check the use of funds.

2. After all, as long as you apply for the Pudong Universal Fund, the bank must confirm the use of the cardholder's funds after the next payment. Cardholders are usually required to provide vouchers for spending universal funds, including invoices, credit cards, receipts, transaction contracts, etc. The important thing is to match and use it in application.

3. Shanghai Pudong Development Bank will verify the consumption vouchers provided and compare the consumption time with the single transaction. If it does not match the number, it will be regarded as an invalid voucher. The bank will regard the cardholder as not using the universal fund according to the specified purpose, and have the right to ask the cardholder to pay off the outstanding principal and installment fee of the universal fund in one lump sum, and never abuse the universal fund.

1. The conditions for applying for Pufa Universal Fund are as follows:

1. You must hold a credit card of Shanghai Pudong Development Bank and use it for more than half a year.

2. The credit card amount exceeds 6,543,800 yuan and is actively phased.

3. There must be an invitation from Shanghai Pudong Development Bank.

2. How to apply for the universal fund of Shanghai Pudong Development Bank? There are mainly the following application methods.

1. Call the application hotline of Shanghai Pudong Development Bank Credit Card Center or the 24-hour customer service hotline to apply for cash installment business.

2. Log on to official website Online Account Service and handle the cash installment business.

3. Pay attention to and bind the official WeChat account of the credit card center "Shanghai Pudong Development Bank Credit Card Center" to handle the cash installment business.

4. Log in to the client of Shanghai Pudong Mobile Banking and select the "Credit Card" page to apply for cash installment business.

5. Log in to Pudong Credit Card APP“Pudaxiben "to handle cash installment business.

6. Log in to the credit card cloud statement of Shanghai Pudong Development Bank and apply for cash installment business.

7. Log in to the service window of Shanghai Pudong Development Bank's credit card Alipay to handle the cash installment business.

3. How to calculate the interest of the universal fund of Shanghai Pudong Development Bank?

1. Take 1000 yuan as an example according to the regulations of Shanghai Pudong Development Bank in official website. If you borrow 1000 yuan and repay it in 12 installments, you need to repay 12x90.54 = 1086.48 yuan. From a simple figure, the annual interest rate is 8.

2. If it is repaid in 36 installments, that is, 36x34.9 1 = 1256.76, the interest for three years is 25.67. Similarly, this 1000 yuan was not lent to you for three years, but you paid the interest of 1000 yuan for three years.

How to use the credit card reserve of Shanghai Pudong Development Bank

How to use the reserve fund of Shanghai Pudong Development Bank: 1. Cardholders of Shanghai Pudong Development Bank can apply to the bank for the consumption funds in the reserve fund.

2. After approval, the consumption funds will be transferred to the imprest account in the card. The reserve fund can only be used for online channels, but cardholders can also continue to apply for the reserve fund. With Platinum Credit Card, you can swipe your card on the physical POS machine offline. 3. After using the reserve fund of Shanghai Pudong Development Bank, you can insert the credit card of Shanghai Pudong Development Bank into the ATM machine, deposit cash in the card for repayment, or transfer money through mobile banking or a third-party payment platform. After the repayment is successful, there will be a message prompt to restore the quota. At the same time, you need to pay attention to the repayment cost and repayment due time.

1. Can Pufa's universal fund be used casually?

1. There is no provision for using Pufa general funds. You can use a credit card or withdraw cash for transfer after receiving the account, but you must use it according to the purpose agreed at the time of application. For example, Pufa Universal Fund can be used in decoration, home appliances, wedding, car purchase, education, tourism, medical care and other consumer fields. If Pufa Universal Fund is for decoration reasons, it can only be used for decoration.

There are also many people who will ignore the use of Pudong Universal Fund and spend their money on non-consumer areas such as production, operation and investment, such as stock trading, fund purchase, wealth management and even credit cards. These banks do not support and should not take any chances, thinking that banks will not check the use of funds.

2. After all, as long as you apply for the Pudong Universal Fund, the bank will confirm the use of the cardholder's funds after the next payment, and usually ask the cardholder to provide the consumption vouchers of the Universal Fund, including invoices, credit cards, receipts, transaction contracts, etc. The important thing is to match and use it in application.

Shanghai Pudong Development Bank will verify the consumption vouchers provided and compare the consumption time with the single transaction. If it does not match the number, it will be regarded as an invalid voucher. The bank will regard the cardholder as not using the universal fund for the specified purpose, and have the right to require the cardholder to pay off the outstanding principal and installment fee of the universal fund in one lump sum. Therefore, it is absolutely forbidden to abuse the general fund.

This is the end of the introduction on how to use the universal credit card and how to accidentally return the credit card directly. I wonder if you found the information you need from it?