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.

Just in case, customers who have applied for the universal fund should develop the habit of receiving small receipts in their daily consumption, such as buying household appliances, decorating houses, traveling, training, getting married, etc. These are in line with the consumption purpose of the universal fund. If you don't have the consumption voucher at hand when the bank asks you to upload it, it is recommended to find a familiar merchant to get some.

Where can I get a universal payment voucher?

Universal cash coupons can form the habit of collecting small receipts in daily consumption, such as catering, shopping, home appliances, tourism, training and other items 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 However, universal cash cannot be withdrawn directly, and it must be transferred to the applicant's debit card first, which is essentially a credit loan, and the credit card amount is approved by the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".

How to get the vouchers of Pufa Universal Fund?

Pufa Universal Fund is a large cash installment with exclusive quota provided by Shanghai Pudong Development Bank for high-quality cardholders, and cardholders need to provide loan purposes when applying. After successful processing, Shanghai Pudong Development Bank will check the cardholder's consumption voucher and verify the use of funds.

It is understood that the funds of Pufa Universal Fund can only be used for decoration, dividends, wedding, car purchase, education, tourism, medical care and other consumer fields, and cannot be used for non-consumer fields such as production, operation and investment. In order to verify whether the cardholder has used the funds according to the agreed purpose, Shanghai Pudong Development Bank will require the cardholder to provide the consumption certificate of the universal fund.

Valid vouchers for general cash consumption include invoices, credit cards, receipts, transaction contracts, etc. For capital transactions, they need to match the situation of a single transaction. Otherwise, once the number does not match, it will be regarded as an invalid voucher, and the bank will regard the cardholder as not using the universal cash according to the specified purpose, and require the cardholder to pay off the outstanding principal and installment fee of the universal cash in one lump sum.

How to get the coupons?

Usually, the consumption voucher refers to the credit card consumption voucher, which can be obtained by printing a purchase order after consumption through a pos machine, and can also be used as a consumption voucher, a transaction contract, etc. However, the transfer record cannot be used as proof of consumption. When a cardholder uses a credit card to spend money, the merchant will provide various vouchers and submit the user's receipts and invoices, but the consumption vouchers must match the date, otherwise the bank will consider them invalid.

What is the proof of consumption?

Consumption voucher usually refers to the relevant receipt or invoice voucher obtained by consumers after consumption, but when users can't obtain a valid invoice when spending online, they can use it as their consumption voucher according to the consumption process.

Consumer vouchers are not always in the form of invoices. Online payment has replaced most payment methods, and most of them are electronic vouchers. Therefore, the consumption screenshots in Alipay, WeChat and other software can be used as consumption vouchers, but the user's private transfer records can't be used as consumption vouchers, because it can't explain the final use of consumption.