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Mr. Liu is an old customer of Shanghai Pudong Development Bank. He also owns the credit card and debit card of Shanghai Pudong Development Bank. Since Mr. Liu usually needs to use cash flow in the small commodity business, he has cashed out credit card overdraft several times, but he has to pay up to about 18%. Interest.
In April of this year, Mr. Liu received a call from a salesperson of Shanghai Pudong Development Bank. He was told that a new product with “universal gold†was offered to such a high-quality customer, and he could immediately give his credit card a 30,000 yuan credit for the commission. The 30,000 yuan is an additional amount, and there is no need to pay the cash handling fee. The interest is not calculated according to the daily interest rate of the credit card of 50,000 (annual interest rate 18.25%), but calculated according to the interest rate they set (year The interest rate is around 8%) and the principal and interest are returned on a monthly basis.
Mr. Liu saw in the fax manual that the product was named “Universal Goldâ€. According to the loan of RMB 10,000, the loan only needs to be returned 900.7 yuan per month, regardless of the time value of the capital, the annual interest rate. It is 8.084%. The loan is two years, the annual interest rate is 7.9%; the loan is 3 years, the annual interest rate is 7.971%, and they are all repaid in monthly instalments, which is more cost-effective than the high handling fee and interest required for credit card withdrawal.
According to the contract, if the remaining amount is to be paid off in advance, it is necessary to pay 3% of the remaining amount as liquidated damages. In other words, the customer needs to pay a monthly fee, regardless of whether the customer has actually used the cash. Mr. Liu opened the business. “This is equivalent to the fact that Shanghai Pudong Development Bank has provided me with a two-year unsecured cash loan. Compared with the general loan, there is no limit to the use, and it can be cashed at any time. It is really convenient.â€
It is understood that "Universal Gold" is a non-guaranteed, mortgage-free personal credit business launched by Pu issued, which increases the cash withdrawal amount of cardholders on the basis of not occupying the credit line. When the reporter consulted the “Universal Gold†business as an ordinary customer, the customer service staff of the Pufa Credit Card Center said that this was the first time that a domestic bank launched a similar business. At present, only a few hundred issued credit card customers have been selected as a pilot promotion. Shanghai, Guangzhou and other cities have launched.
After the launch of “Universal Goldâ€, it caused great concern. Some insiders believe that banks use credit card quotas to provide customers with card jackets, which is a kind of credit card cash in disguise. Although it does not violate the relevant regulations, but the card jacket is now, the cash can not be monitored, so the risk of malicious cash withdrawal by the bank is greater than that of the credit card.
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