Useful. Vivo Guangfa Bank co-branded credit card is useful. The vivo Guangfa Bank co-branded credit card is jointly launched by vivo wallet and China Guangfa Bank. It is an exclusive credit card customized for vivo users. You can quickly apply for a card online through vivo wallet, activate the credit card and open vivoPay service. It comes with cash rebates and free annual payment for the first year. Fees and other rights, comprehensive online management of credit card consumption and bills can be achieved in vivo wallet, creating a minimalist and transparent card use experience.