I am also a user of Guangfa, and the effect is good. Recently, however, Guangfa is very strict in the credit review system, so it may be a bit difficult to approve new cards. It is best to provide sufficient proof of income.

Now I think the advantage of Guangfa is not a credit card, but his savings card (wealth management card). First of all, there is no charge for opening an account and no annual fee. Even if the account has only a few dollars for a long time, there will be no management fee. Most importantly, there is no handling fee for inter-bank ATM withdrawals, which many banks do not have.

Now, Guangfa Wealth Management Card is used to bind the credit card, and it will be repaid automatically every month. I regularly deposit all my income into Guangfa Wealth Management Card, which makes it more convenient to withdraw money in the future (regardless of the inter-bank handling fee), and the handling fee for purchasing E Fund can be as low as 0.3%.

As for Guangfa's credit card, I don't need to mention it. Its function is similar to other banks' credit cards: swiping the card six times a year is free, and you can apply for 6-month, 12-month, 18-month and 24-month installment payment (call a bank, and the monthly handling fee is 0.6% ~ 0.7% of the total amount) for any transaction in 500 yuan, and before reporting the loss, 48.

It is worth mentioning that Guangfa Credit Card has newly joined the Financial Intelligence Fund in September this year. There are not many advertisements at present. You can apply for a cash loan of more than 2,000 yuan from the bank with the credit limit of a credit card, which will be repaid in six months. 12 months. The repayment form is similar to anything, but the monthly handling fee is 0.75%. As far as the use cost of this fund is concerned (which can be understood as the loan interest rate,

The above is my 4-year experience in using GDB cards. This is not an advertisement. I hope it will help the landlord.