How to apply for a universal fund for Bank of Communications, how to apply for a universal fund for

1. Call the Bank of Communications Credit Card Center (hereinafter referred to as the "Credit Card Center") to apply for **400-800-9888, or 24-hour customer service**95559, (021) 3878-4988 to apply for universal cash business;

4. Log in to the Bank of Communications client, select the "Credit Card" page, and apply for cash installment business;

6. Log in to the cloud bill of Bank of Communications and apply for universal cash business;

7. Log in to the Alipay service window of Bank of Communications to apply for universal cash business.

Bank of Communications universal fund application conditions].

Bank of Communications credit card universal cash, you need to have both a credit card and a debit card of Bank of Communications, you can open this business in a short time, Bank of Communications will put the same proportion of cash into the debit card according to the limit of the customer's credit card, this fund is the Bank of Communications in addition to the customer's credit limit to use the funds, the use of almost no restrictions, can also be cashed out.

Bank of Communications' credit card universal fund business is a kind of small loan in disguise that replaces the credit line with the credit line. Universal money cannot be withdrawn directly, but must be transferred to your debit card first, which is essentially a credit loan. The credit limit is approved by the credit card department and the universal amount is not included in the credit limit, it exists in the form of a loan, and the credit limit is issued on the basis of the credit card, and the review of the credit limit is generally determined by the credit department.

Advantages and disadvantages of Bank of Communications universal gold company].

The two biggest advantages of Bank of Communications credit card: 1. The credit limit is doubled, and it is convenient to withdraw cash when continuing to turnover; 2. The interest rate of universal cash repayment is lower than that of credit card cash withdrawal.

At present, credit card cash withdrawal needs to charge a certain percentage of the handling fee, Bank of Communications is 3%, starting from 1,000 yuan, less than 1,000 yuan will be charged 30 yuan handling fee, in addition, from the date of cash withdrawal, Bank of Communications will also charge overdraft interest according to the daily interest rate of 5/10,000 (annualized interest rate).

The interest rate of the universal cash business is lower than that of the credit card overdraft, and the one-year loan of 10,000 yuan only needs to be repaid every month (of which the interest is yuan), regardless of the time value of the funds, and the annual interest rate is; Loan for two years with an annual interest rate; The interest rate for the loan is 3 years and is repaid in monthly instalments. Of course, the disadvantage is the original intention of the design of this product, which is equivalent to a disguised loan method, so the customer is required to repay in installments, and the early repayment also needs to pay liquidated damages, which is equivalent to a mandatory loan. Therefore, everyone should be cautious and careful when applying.

You can apply online.

Take the initiative to apply for SPD Bank's universal cash channel:

2. Mobile banking application process. Log in to the mobile terminal of Shanghai Pudong Development Bank, select the "Credit Card" page, select the card number of the required installment, click "Universal Cash Application", enter the application information according to the prompts, confirm the submission of the application, and the system will review it immediately and automatically inform you of the application result.

Generally speaking, the people who are invited to apply (SPD Bank will sort out the target customers of SPD Bank according to customer ratings) are relatively high-quality customers, so the amount of money invited to apply for SPD Bank Universal Cash is generally higher than that of actively applying for SPD Bank.

As long as you have both a credit card and a debit card issued by SPD, you can open a multi-purpose fund business in a short period of time, and SPD will put up to the same proportion of cash into the debit card according to the limit of the customer's credit card, which is the fund that SPDB gives to the customer to use freely outside the credit limit, and there are almost no restrictions on the use, of course, including cashing out.

Generally speaking, when you apply for a loan, you will give priority to commercial banks, even if you apply for online loans. Some friends heard that Bank of Communications Wanjinhua can apply for loans, so they came to ask how to open Bank of Communications Wanjinhua. Today, I would like to introduce to you the application method of Bank of Communications Wanjinhua.

Eligibility. There are not many application requirements for Bank of Communications Wanjinhua, but it is not easy for most people to meet.

1. Be over 18 years old and have good personal credit;

3. Received an invitation message from Bank of Communications to open Wanjinhua. Such as seepage.

Judging from the situation, there are not many people who have received a text message from the Bank of Communications Wanjinhua invitation, and without a text message, they can only try their luck with the scumbag Kaizhi.

Application Portal. The application entrance of Bank of Communications Wanjinhua is in the "Pay Bar" APP. The opening path is: [Pay for the app homepage] [Card Life Page] [Convenient Life Page] [Wanjinhua Opening Page].

Precautions. 1. Although Bank of Communications Wan Jinhua applied through the channel of Bank of Communications, the lender was not Bank of Communications, but a third-party financial institution, such as Yunnan Trust.

2. The loan amount of Bank of Communications Wanjinhua generally does not exceed 50,000 yuan, and the monthly interest rate is as low as that, which supports recycling.

3. Tongbank Wanjinhua can be manually closed after opening, but it may not be successful to open it again after closing.

The above has introduced how to open the Bank of Communications Wanjinhua, and friends who meet the opening conditions can give it a try.

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