Extended data:
The handling amount, days, repayment amount and expense standard of "universal loan" of Shanghai Pudong Development Bank.
(1) The amount that the cardholder applies for "cash with loan" shall not exceed the cash amount that can be advanced in his credit card account, and the number of application days can be arbitrarily selected within 99 days. The specific loan amount is subject to the application page display or customer service notice. This business is limited to RMB.
(2) The amount and days for the cardholder to apply for "attached loan" shall be subject to the application information recorded by the Shanghai Pudong Development Bank system and confirmed by the cardholder, including but not limited to telephone recording, paper records, electronic channel application confirmation records, etc.
(3) After the cardholder successfully applies for this business, the available cash advance amount will be deducted in equal amount, and will be recovered in equal amount with the principal amount repaid by this business until the cardholder pays off all the principal amount.
(4) After the cardholder successfully handles the application, the interest shall be calculated on a daily basis from the application date, and the standard daily interest rate is 0.05%/ day. The actual daily interest rate is subject to the final evaluation result of Shanghai Pudong Development Bank at the time of application. Every time the cardholder applies, Shanghai Pudong Development Bank will charge a one-time handling fee of 10 yuan, which will be included in the current bill on the application date;
(5) On the agreed repayment date, the cardholder will receive a repayment reminder message pushed by Shanghai Pudong Development Bank, and the message will be sent to his mobile phone number reserved in Shanghai Pudong Development Bank. On the agreed repayment date, Shanghai Pudong Development Bank will keep an account of the principal and corresponding total interest of the loan, and the cardholder must pay off the principal and total interest in one lump sum to the credit card account applying for the business before 20: 00 on the agreed repayment date.
If there are outstanding debts in the bill or debts arising from special installments such as universal cash and automobile installment in the bill, the repayment amount will be used to repay the above debts first, and the remaining amount will be used to offset the interest and principal of the "loan".
If the cardholder fails to pay off the "loan" as agreed, it will constitute a breach of contract from the day after the agreed repayment date, and the cardholder shall bear the penalty interest and liquidated damages (if any) for overdue repayment according to the Articles of Association of Shanghai Pudong Development Bank Credit Card (Personal Card) and related contracts.
Shanghai Pudong Development Bank-Shanghai Pudong Development Bank Loan (General Loan) Terms and Conditions