Geely Platinum Credit Card is not an installment card.
As the platinum card of Shanghai Pudong Development Bank, the credit card Geely Platinum Card generally has a quota of 50,000 yuan, but how much quota can be applied depends on the applicant's personal qualifications. The better the applicant's personal qualifications, the higher the amount of Geely Platinum Card applied for, and vice versa.
For the personal qualification of the applicant, the bank mainly refers to the personal information provided by the applicant, such as the applicant's work, income, economic level, repayment ability, marital status, residence, etc.
Advantages of Geely Platinum Credit Card
1, high credit line: Pudong Platinum Card Geely Platinum Credit Card has a maximum credit line of 500,000.
2. Borrowing and repayment: Pufa Geely Platinum Credit Card can be used for circulating credit, which can be borrowed and repaid and charged on a daily basis. The handling fee for the overdraft principal amount at the end of each day shall be calculated on a daily basis and collected uniformly on the bookkeeping day.
3. There is a universal fund: when the cardholder uses the Pudong Geely Platinum Credit Card, the bank will provide an additional universal fund, which can be used at will and repaid in installments. On the basis of the original credit line, the upper limit can be 300,000.
4. There is the function of delaying repayment of principal: the function of delaying repayment of principal can diversify the repayment methods of cardholders, and cardholders can choose the time to delay repayment of principal only by paying a one-time delayed service fee according to their own needs.
5. Road rescue: Cardholders can enjoy road rescue service. If they encounter any emergency during driving, they can enjoy the road assistance arranged by the bank just by making a phone call.
What is the operation path of "China Bank Credit Card" WeChat official account for credit card cash installment?
The operation path of handling credit card cash installment borrowing and repayment through the official account of "China Bank Credit Card" WeChat is as follows:
1. In the lower left corner of the menu bar, click my account → installment _ cash → I want cash | express receipt.
2. Click "Borrow and Return" to enter the loan and return application page, select the loan, application amount, collection, use of funds and number of installments, check "Agree to the agreed terms of cash installment business", and click Next to enter the loan and return confirmation page to complete the application.
The above contents are for your reference. Please refer to the actual business regulations.
What happened to Pufa Credit Card Universal Fund? Flexible loans with borrowing and repayment
In fact, the Pudong Credit Card Universal Fund is a credit card installment financing service of Shanghai Pudong Development Bank, which is more suitable for customers with short-term capital needs. The biggest feature is flexibility and convenience. Today, I will give you a detailed introduction to the Pudong Development Credit Card Universal Fund. Only when we have a deeper and comprehensive understanding of this product can we use our ideas.
Universal cash is actually a derivative loan product of Pudong Development Credit Card, which aims to provide short-term cash flow for customers who hold Pudong Development Credit Card. The general cash amount applied by the cardholder will be transferred to the debit card in my name for the cardholder to withdraw freely.
But the free cash withdrawal mentioned here is not absolute, because the use of this money is also standardized:
1. Use: consumption, including but not limited to decoration, home appliances, wedding, car purchase, student aid, tourism, medical treatment, etc.
2. Use of the restricted area: investment, including but not limited to equity investment such as house purchase, stocks and futures.
At this point, what happened to the Pudong Development Credit Card Universal Fund? You may not have fully understood it. As a credit card loan, you must also understand the following main aspects of the product:
1, application threshold
Customers with credit cards of Shanghai Pudong Development Bank and good personal credit information can apply (except those with supplementary cards, business cards and student cards only).
2. Application channels
Refer to how to apply for Pudong Development Credit Card Universal Fund. Flowchart of four main methods
3. Term of the loan
The account will be received on the day when it is transferred to our bank, and within 2 days at the latest when it is transferred to another bank.
4. Apply for quota
1000 yuan to 300,000 yuan, subject to the bank's audit results.
5. Repayment period
1-99 days, it's up to you
6. Handling fees and interest
A handling fee of 10 yuan is required for each application, and the interest is charged at 0.5 ‰ per day.
Through the above introduction, everyone should be very clear about the universal fund of Pudong Development Credit Card. If you have a PUFA credit card, you don't have to worry about cash flow difficulties. The universal fund will help you solve it in minutes.
Is credit card payment paid by loan?
That's not true. Repay before the normal repayment date.
1, the credit card is mainly to spend first and then repay, and use the bank's funds to spend in advance and enjoy the interest-free period. This is a financial management method.
2. Credit card is not a savings card, and the deposit in credit card will not settle interest.
3. Credit cards can be used as payment tools, and can be directly consumed through POS machines installed by merchants or online payment platforms.
4. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities.
Credit card is also the main international payment tool. You can shop conveniently on overseas and international websites. If you travel and stay in a hotel, only a credit card can complete the hotel pre-authorization for you.
What does it mean to borrow and repay the loan?
With the loan, it also means that the customer can withdraw it at any time after obtaining the credit line, and the interest will be calculated after lending; You can return it at any time after lending it out. You can pick it up within the time limit after returning it. For example, the credit line is 654.38+00,000, and the term is three years. You can withdraw money at any time within three years, as long as it does not exceed 654.38+00,000; You can always return it after you take it.
In addition, there are many repayment methods, such as:
1. Equal principal and interest repayment method: repay the loan principal and interest in equal amount every month within the loan term;
2. Repayment of principal and interest by installments: within a certain grace period, only the loan interest is repaid, but not the principal. After the grace period, the loan will be repaid according to the repayment of principal and interest by installments;
3. One-time repayment of principal and interest: one-time repayment of loan principal and interest at maturity;
4. Pay interest monthly (quarterly) and repay the principal once at maturity: repay the principal monthly (quarterly) within the loan term and repay the principal once at maturity.
"Loan repayment" refers to the products that customers who have obtained the personal revolving credit line of China Merchants Bank and signed relevant agreements borrow or repay by themselves through electronic channels such as online banking or telephone banking of China Merchants Bank, including three functions pioneered in China: self-help borrowing, self-help prepayment and automatic prepayment.
There is no fixed repayment plan with the loan, and the amount can be restored after the loan is repaid.
In fact, there are still some shortcomings in this loan method, mainly in the following aspects:
1, and the loan period is short.
At present, the loan period of loan products with loans and repayments is relatively short. Under normal circumstances, the loan period of this kind of loan products is no more than 3 years.
2. Affect credit
Although the loan product itself has the function of borrowing and repaying, it is actually a breach of contract if it is often repaid in advance. With the loan, it will not damage the credit, but it will affect the speed of the credit line.
The interest rate is very high.
Loan products with the function of borrowing and repayment usually bear interest on a daily basis, and the daily loan interest rate is still relatively high after being converted into annual interest rate. Under normal circumstances, the annualized loan interest rate of loan-to-loan products is above 10%.
4. It still needs to be returned on a monthly basis.
For products with relatively long loan term, the borrower needs to repay a certain amount of loan principal every month, instead of paying the principal and interest once after the loan expires.
What is a credit loan with loan and repayment?
You can borrow a credit loan that can be repaid at any time, that is to say, if you have credibility and people trust you, you can borrow it at any time and pay back the money at any time. You don't need to mortgage anything, and you don't need someone to guarantee you. People trust you completely. You can borrow money at any time, but of course, you must return it to others as soon as possible to maintain your reputation.
Is Bohai Bank's 5 1 credit card reliable?
5 1 credit card is more reliable. 5 1 credit card belongs to the third-party platform, and the personal data provided by users through 5 1 credit card are submitted to the bank instead of 5 1 credit card, so the information security of users is more secure. On the other hand, the 5 1 credit card only supports the application of 20 credit cards from prime Bank, so users don't have to worry about the source of credit cards.
Moreover, 5 1 credit card is only one of the credit card processing channels, which is the same as users applying for credit cards through WeChat and Alipay.
5 1 Bohai Credit Card is not a debit card. This is a joint credit card issued by Bohai Bank. It has financial functions such as credit consumption, cash advance and overpayment recovery. The interest-free period is as long as 54 days, and the full repayment on the repayment date of overdraft consumption does not require additional expenses.
However, 5 1 Bohai credit card holders need to bear certain interest if they borrow cash in advance or apply for credit card loans. The specific interest rate standard is subject to the bank's audit results.
Let's not talk about the introduction of a credit card that can be borrowed and repaid.