Can I apply for a Guangfa Bank credit card at the airport?

I think you may have some misunderstandings about applying for a credit card, because you can actually apply for the same type of credit card in different scenarios.

We are currently in the Internet era, which will speed up business processing in many industries and will also bring great convenience to users. For example, we often mention credit cards. In the past, we could only apply for credit cards at the counter, but now we can apply for credit cards through multiple channels, and the methods are different.

You can apply for Guangfa Bank credit card at the airport.

Currently, many airports have bank counters, and the relevant bank counters can handle most banking services. For ordinary users, ordinary users can handle deposits and withdrawals at the bank counter, and can also handle credit card business of the corresponding bank. If there is a business counter of China Guangfa Bank at your airport, you can go directly to the counter to apply for the relevant credit card. Applying for a credit card at the counter is a relatively traditional method, and many young people no longer do this.

You can also apply for a credit card online.

At present, almost all bank credit cards have online processing channels. You only need to log in to the official website of the relevant bank. Some banks will also have business cooperation with some Internet companies. You can do the same on the APP of the Internet company. Relevant credit cards can be applied for. Guangfa Bank can be regarded as a bank with a relatively high proportion of credit card business. They also have a relatively large number of credit card services and a wide user base, which is suitable for most users.

If you travel frequently, you can also apply for a travel-specific credit card.

Although the basic functions of credit cards are highly similar, credit cards will also develop different credit card types for different consumption scenarios. For those who travel a lot on business and travel, you can apply for a travel-specific credit card. This kind of credit card can accumulate travel points and miles. When the user reaches a certain number of points, there will be corresponding gifts and rewards, which can be regarded as a welfare benefit of consumer credit cards.

How to calculate the annual fee for Guangfa Bank China Southern Airlines Sky Pearl Credit Card

The annual fee for Guangfa China Southern Airlines Sky Pearl Credit Card:

This card*** has two types: regular card and gold card The higher the level of the card, the more the annual fee will be charged. The details are as follows:

1. Regular card: the annual fee for the main card is RMB 90 per year, and the annual fee for the supplementary card is RMB 45 per year;

2. Gold Card: The annual fee for the main card is RMB 260 per year, and the supplementary card is RMB 130 per year;

Guangfa Bank Credit Card has also launched an annual fee-free policy, and the annual fee for the first year will be paid by China Southern Airlines. , the annual fee for the following year will be waived if you swipe the card six times a year. In addition, the card does not charge an annual fee if it is not activated, and the number of purchases will be calculated when paying online.

Note: The annual fee for Guangfa Credit Card is generally charged based on the cardholder’s card opening date, not every calendar year. If your GF Air China Zhiyin Credit Card is opened on January 1st, the annual fee will be charged on January 1st of each year. If it is not activated, no annual fee will be charged.

Credit card annual fee rules:

Credit card annual fee rules refer to some corresponding regulations for the annual payment of credit cards. Before the credit card is activated by the cardholder, the bank is not allowed to charge annual fees, but the Most people have little understanding of the various annual fee rules for credit cards issued by different banks. Most credit card annual fees are around one hundred yuan. Some banks stipulate that the annual fee can be waived by swiping three times a year.

Although the China Banking Regulatory Commission issued a notice as early as July stipulating that banks are not allowed to charge annual fees before the credit card is activated by the cardholder, but in the face of the various annual fee rules for credit cards from different banks, many cardholders The clan is still confused.

“I have several credit cards from different banks. Some stipulate that the annual fee can be waived after six swipes. Some stipulate that the annual fee can only be waived if the accumulated spending reaches 5,000 yuan. No annual fee.

"Ms. Xu, who works in a foreign-funded enterprise, told reporters that in order to find out the annual fees of different credit cards, she specially called each credit card center one by one to ask clearly, and then wrote it down to avoid some credit cards due to the number of card swipes or the amount of money. The annual fee rules for different types of credit cards launched by the same bank are also different, such as the main card year of ICBC's Peony International Credit Card. The annual fee for the Peony 60th Anniversary Credit Card is only 50 yuan. This is due to the difference in annual fees due to different card issuers. The issuers of the Peony International Credit Card are UnionPay and MasterCard or UnionPay and VISA. The issuing organization of the Peony 60th Anniversary Credit Card is UnionPay.

Financial management experts from Yinsu.com also pointed out that the annual fees for single-currency cards and dual-currency cards are often different, such as Guangfa Bank’s standard dual-currency card. The annual fee is 90 yuan, while the annual fee for GF RMB card is 40 yuan.

TIPS: Even for different types of credit cards issued by the same bank, the annual fee and annual fee exemption rules are different. , if you want to become a "card god", the first step is to clearly understand the annual fee regulations of the credit card you hold.

Which credit card is the most cost-effective to accumulate airline miles?

Guangfa Bank’s credit card is the most cost-effective when redeeming accumulated air miles.

The details are as follows:

1. Guangfa Bank: China Southern Airlines Sky Pearl Credit Card (Guangfa Card) is 7 yuan per mile = 1 kilometer. Mileage points consumption

For the Platinum Card, every 10 yuan spent on the credit card = 1 kilometer of mileage. For the Gold Card, every 14 yuan spent on the credit card points = 1 kilometer of mileage.

2. , China CITIC Bank: Redemption regulations for China Southern Airlines Sky Pearl Credit Card (CITIC Card): Platinum Card will accumulate 1 "China Southern Sky Pearl" mileage for every 10 yuan spent; Gold Card will accumulate 1 "China Southern Sky Pearl" mileage for every 15 yuan spent. kilometers of "China Southern Sky Pearl" miles; the gold card earns 1 kilometer of "China Southern Sky Pearl" mileage for every RMB 15 spent; the regular card earns 1 kilometer of "China Southern Sky Pearl" miles for every RMB 18 spent.

3. Industrial Bank: Standard Platinum Card (Industrial Card) redemption rules: Standard Platinum Card is 8 credit card points = 1 mile; Elite Card is 12 credit card points = 1 mile; Gold Card 15 credit card points = 1 mile; 18 credit card points = 1 mile for regular cards

4. Agricultural Bank of China: Redemption rules for Agricultural Bank of China China Southern Sky Pearl co-branded credit card: Gold card (UnionPay, VISA) is 1.

Bank points = 1 kilometer of China Southern Airlines miles; Platinum card (UnionPay, VISA) is 13 bank points = 1 kilometer of China Southern Airlines miles

5. China Minsheng Bank: China Southern Airlines Minsheng Co-branded Credit Card ( Minsheng Card) redemption rules: Within 10,000 kilometers per month: Gold Pu

18:1, White 15:1, Haobai 10:1; Monthly redemption over 10,000 kilometers: Gold Pu 36: 1.

Is anyone using the GF China Southern Airlines Sky Pearl Credit Card? How does it feel?

China Southern Airlines’ Sky Pearl Credit Card is relatively convenient to use. Normally, after consumption, the points will be directly converted into airline miles and transferred to your bound Guangfa Pearl List

About GF Civil Aviation This concludes the introduction of credit cards and GF Air China credit cards. Did you find the information you need?