Does Pufa Universal Fund have a quota for loans?

Is Pudong universal fund and credit card quota shared? Doing so will restore the quota.

Shanghai Pudong Development Bank provides cardholders with a variety of credit card cash loan services, among which universal cash has attracted many cardholders' attention because it can be repaid in installments. However, many card friends don't know much about the general limit, and they don't know whether to share it with the credit card limit. If the amount is shared, the available credit card amount will be reduced. Next, let's discuss it together.

Is Pudong universal fund and credit card quota shared?

Pufa Universal Fund is actually a credit card cash installment business of Pufa, which is handled within the credit card withdrawal limit and included in the credit card limit, which is generally 50% of the credit limit. That is to say, Pufa Universal Fund shares with the credit limit, and it will occupy the credit limit after the application is successful.

For example, suppose your credit line of Pudong Development Credit Card is 30,000 yuan, and your withdrawal line is 10000 yuan, and you apply for universal funds of 654.38+00000 yuan. After the successful application, the universal fund of 654.38+00,000 yuan will be frozen in the credit line, so the available credit line is 20,000 yuan, but the cash withdrawal line is only 5,000 yuan.

However, the quota of Pufa Universal Fund is only temporary. As long as you repay on schedule every month, the credit card available amount will be restored with the repayment. In addition to the repayment amount of each installment, the amount recovered also includes the installment fee of each installment, so after you pay it all off, the amount recovered will actually be higher than the total amount you occupy.

Is the above "Pudong universal fund and credit card quota sharing?" . In short, Pufa Universal Fund and credit card quota are shared. After successful application, the universal credit line will be frozen in the credit line, but with the monthly repayment, part of the credit line will be restored until the final settlement.

Can the credit card of Shanghai Pudong Development Bank use universal money?

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As long as the credit card of Shanghai Pudong Development Bank has a general limit, you can apply at any time.

Can Shanghai Pudong Development Bank still borrow the universal fund?

According to the relevant regulations of Shanghai Pudong Development Bank, every time a user applies for a universal fund, Shanghai Pudong Development Bank will re-approve it. Therefore, whether the Pudong Universal Fund can borrow again after paying off depends mainly on whether the user can pass the approval of Shanghai Pudong Development Bank.

If the user's application for repayment is approved by Shanghai Pudong Development Bank, then Shanghai Pudong Development Bank can apply again after paying off the universal fund. This means that as long as the universal fund still has the available quota and the applicant can pass the audit of Shanghai Pudong Development Bank, then the user can apply.

Generally speaking, users who want to apply for bank loans need to pass the qualification examination of the bank, and only applicants who pass the examination of the banking system are eligible for loans. And as long as it is a bank loan business, every application needs to be re-examined.

What are the advantages of Shanghai Pudong Development Bank credit card?

1, the credit line is doubled, and the turnover is constantly convenient for cash withdrawal.

2. Universal payment by installment, and the expected annualized interest rate is lower than the expected annualized interest rate of credit card withdrawal.

Generally, the bank sends a text message or calls the cardholder to ask whether it is open, or directly goes to official website to apply for opening. Although many users report that the interest rate of universal cash is quite high, the withdrawal fee is still relatively low compared with Pudong Credit Card.

How much is the handling fee for withdrawing cash from Pudong Development Credit Card?

Shanghai Pudong Development Bank charges 3%, starting from 1 1,000 yuan, and 30 yuan handling fee will be charged if it is less than 1 1,000 yuan. In addition, from the date of cash withdrawal, Pudong Development Bank will also charge overdraft interest at the daily expected annualized interest rate of five ten thousandths (expected annualized interest rate 18.25%).

What are the rules for using universal currency?

1. The credit card universal fund business of Shanghai Pudong Development Bank is a micro-loan in disguised form, and the credit line will be replaced by the credit line.

2. Universal cash cannot be withdrawn directly, but must be transferred to the applicant's debit card, which is essentially a credit loan, and the credit card amount is approved by the credit card department.

3. Universal credit line is not in the credit line, but exists in the form of loan, which is based on credit card. The review of the credit line is generally decided by the credit department, and the determination of the general line is suspected of exceeding the authority.

4. Universal Fund is a credit loan beyond the credit limit of Pudong Development Credit Card.

5. Universal cash is equivalent to cash advance business of other banks. It is to borrow cash from the issuing bank in advance and then repay it in installments. There is a handling fee for borrowing cash in advance, which varies according to the number of installments.

How much is the handling fee for Pudong universal gold?

With a one-year loan of 65,438+100000, only 900.7 yuan (including interest of 67.4 yuan) needs to be repaid every month, and the expected annualized interest rate is 8.084% regardless of the time value of funds. The expected annualized interest rate of the loan is 7.9% for two years and 7.97 1% for three years, all of which are repaid by monthly installments.

Does the Universal Foundation check its use?

Pufa Universal Fund will check the usage. Shanghai Pudong Development Bank will send a short message to users' mobile phones every 2-3 months, asking users to upload consumption vouchers within a few days. Some users have excellent credit qualifications, and not uploading coupons will not be affected. For users with average or poor credit qualifications, if they haven't uploaded the voucher by the upload date, the customer service will call to remind them.

Does PUFA Universal Fund occupy credit card quota? These things should be known.

The universal fund of Shanghai Pudong Development Bank is a consumer reserve fund other than credit cards. If the universal fund is used in the form of cash installment, then the universal fund of Shanghai Pudong Development Bank does not actually occupy the credit card line of Shanghai Pudong Development Bank, but if it is in the form of loan, it does. What kind of situation is this? Next, let me answer for you.

Is Pudong universal fund reliable?

Whether the Pudong universal fund occupies the quota depends on the situation. Pudong universal fund has two forms, namely cash installment and universal loan. If you use cash installment, you will not occupy the quota, and if you use universal loan, you will occupy the quota, so you must distinguish clearly in practice.

At present, the withdrawal fee of Pudong Development Credit Card is 3%, which is the lowest standard in 30 yuan. At the same time, there are five ten thousandths of interest every day. Take a credit card with a cash withdrawal amount of 10000 yuan as an example. Universal cash business enables cardholders to withdraw up to 65,438+00,000 yuan in their debit cards, and there is no handling fee. He only needs to make monthly repayment, and he can choose to divide it into 6 installments or 65,438+02 installments.

Therefore, if you need a large sum of money urgently, you can also get a universal payment that does not account for the credit card amount in the form of cash installment after using the credit card. However, it is reported that the interest of Pufa Universal Gold is quite high, so be careful! According to your own situation.