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 Universal funds can be withdrawn from other accounts of users, but it takes 24 hours for this business to arrive;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 the contract penalty 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 a small loan as a 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 about automatic repayment of Pudong universal fund?

You can turn off the automatic repayment flower in the settings.

Generally, the universal quota of Shanghai Pudong Development Bank can only be used for daily consumption. If it is used to repay the flowers, once it is controlled by the bank, it will cause a breach of contract, and the bank has the right to ask the borrower to pay off the arrears in one lump sum and pay the liquidated damages.

Because the universal line of Shanghai Pudong Development Bank can be paid directly to the bank card for cardholders to withdraw freely, the bank will ask cardholders to provide consumption vouchers from time to time to check the use of the money, so users are not advised to use the line to pay back the money.

Where can I get a universal payment voucher?

Universal cash coupons can form the habit of collecting small receipts during daily consumption, such as the consumption of catering, shopping, home appliances, tourism, training and other projects can be used as vouchers. Universal cash is a cash installment loan launched by Shanghai Pudong Development Bank Credit Card Center. The amount can only be used for daily consumption, and the bank will monitor the consumption purpose of the amount and have the right to ask the borrower to upload the consumption voucher.

1. Universal payment is a new business launched by Shanghai Pudong Development Bank in early 2007, that is, to issue loans exceeding the credit card limit, and the bank charges a certain fee, which does not need approval, and users can freely control it. On the basis of not occupying the credit limit, the cardholder's cash withdrawal limit will be increased additionally. However, universal cash cannot be withdrawn directly, and it must be transferred to the applicant's debit card first, which is essentially a credit loan, and the credit card amount is approved by the credit card department.

Second, the universal money in a credit card is a personal credit business, so we can also understand it as a loan that can be spent casually. Of course, the universal credit card does not occupy our credit limit, which increases our cash withdrawal limit from one side and provides a more convenient business growth point for banks with this credit card. In this regard, we can regard this universal fund as a loan of Alipay, because the two are essentially the same.

The universal money in the credit card was originally in the card of Shanghai Pudong Development Bank. The loan interest rate of this business is lower than the overdraft interest rate of credit cards. The one-year loan is 65438+100000, and only 900.7 yuan (including 67.4 yuan of interest) is paid back every month, regardless of the time value of funds, with an annual interest rate of 8.084%. In this regard, it is reasonable in terms of cost. Of course, we should pay attention to one thing, that is, a card with a withdrawal limit of 1 10,000 yuan often has an extra 1 10,000 yuan, so this makes our funds on hand more relaxed.

4. 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.

5. Pufa Universal Fund is an installment loan other than Pufa Credit Card, which mainly provides customers with short-term cash flow. The loan amount is between 1 1,000 yuan and 300,000 yuan. It is only suitable for consumption, including but not limited to decoration, wedding, car purchase, household appliances, wedding, student aid, tourism, medical care and other activities, and cannot be used for investment.

Six, Shanghai Pudong Development Bank Co., Ltd. is a national joint-stock commercial bank, the main business is to provide banking and related financial services; The main products are major customer business, corporate deposit and loan business, investment banking business, transaction banking business, international business platform business, individual customer and deposit business, consumption and small loan business, personal wealth management business, debit card and payment and settlement business, credit card business, private banking business, investment transaction business, financial institution business, asset management business and asset custody business; The company was ranked 70th in Forbes magazine's "Global Top 2000 Enterprises", 13 among Chinese enterprises and 9th among Chinese banks. Ranked 25th in the list of "Top Global Banks 1000" published by The Banker, ranked 8th among Chinese banks on the list, and ranked first in terms of cost and income. 20 19 China Network was selected as "Pioneer Institution of Financial Poverty Alleviation".