What does Guangfa Senior Credit Card mean?

Guangfa Senior Credit Card is a high-end credit card launched by China Guangfa Bank. Guangfa Bank's high-end credit cards include unlimited card, business travel platinum card, car owner platinum card, true love platinum card, China Southern Platinum Card, Air China platinum card, Shandong Airlines value-added platinum card, China Eastern Platinum Card, Hainan Airlines Platinum Card, Ctrip Platinum Card, Spring and Autumn Platinum Card, China Life Guangfa co-branded Yijia value-added platinum card, premium platinum card, premium platinum card, golf platinum card, etc.

1. What does GF Premium Credit Card mean?

To facilitate your travel, users have prepared VIP lounges at domestic and foreign airports for you, so that you can enjoy comfortable and comfortable waiting services. For your convenience, users will issue you a PP card and a Longteng card. With the PP card, you can use more than 600 airport VIP lounges around the world for free and unlimited times. With the Longteng card, you can use the airports in more than 50 domestic cities for free and unlimited times. VIP lounge, and you can use it for free with one companion.

2. Gold card of standard card

It depends on the card issuer. For example, VISA and M/C have different credit limits on the card, and it is specific to each person. The comprehensive credit is also different. GF's card categories can be roughly divided into the following categories: standard cards, true love cards, pearl cards, car owner cards, business cards, etc. In addition to standard cards, its user cards are actually launched for more segmented markets, such as true love cards. The card targets women, while the car owner card is specially prepared for car owners. In comparison, the standard card is the most common and most practical card type. It may not be as beautiful or as close to women as the true love card. Pretty good.

To sum up, let professional cardholders use multiple POS to simulate continuous consumption limits and diversify consumption types, so that the bank's system can detect the current heavy credit card consumption, thereby increasing their credit limit. There is also a method of using cards to maintain credit cards, which is to apply for credit cards continuously and use the money from the next credit card to pay off the debt of the previous credit card in an attempt to get the money from the bank.

Guangfa UnionPay Diamond Credit Card is online! The top credit card is here

China Guangfa Bank announced that it will add a diamond card to UnionPay cards, and the diamond card is a higher-level credit card than the platinum card, which is also a top credit card. Many people are discussing GF UnionPay Diamond Credit Card. So today I will introduce to you what kind of card the GF UnionPay Diamond Card is.

1. Diamond credit card rights

As long as it is a diamond card, the cardholder can enjoy airport and high-speed rail VIP lounge services for free, and can bring one person for free every year.

In addition, some operations that require payment of handling fees are basically free with diamond cards. For example, domestic and overseas cash withdrawals, emergency card loss reports, and production fees are all free of charge.

As for other rights and interests, it depends on the specific card issued by China Guangfa Bank.

2. Annual fee for diamond credit card

The annual fee for the new UnionPay diamond credit card of China Guangfa Bank is RMB 12,000 per year for the main card and RMB 5,000 per year for the supplementary card.

3. Diamond credit card limit

There is no specific information on the limit of this UnionPay diamond credit card newly added by GF, but its level is higher than the platinum card. As a high-end credit card , the amount is naturally not low.

And the diamond cards of other banks can reach a limit of one million, so this diamond credit card of GF must also be able to reach a limit of one million.

The above is a summary of some relevant information about Guangfa UnionPay Diamond Credit Card. It can be seen that the limit of this new diamond card is very high, and the annual fee is also quite high. As for the benefits, as a high-end credit card The rights and interests are certainly quite rich. However, this card type has been added, and there is no corresponding card yet.

The application requirements for GF Zhenshang Platinum Credit Card are not as difficult as imagined

The Platinum Credit Card can be regarded as a good choice for those who often "play" with credit cards. The ultimate desire, high-end credit cards not only mean that cardholders can have high credit for overdraft consumption, but more importantly, the wonderful rights and interests of the cards.

The application conditions for GF Zhenshang Platinum Credit Card are relatively user-friendly and are more suitable for cardholders to apply for.

When China Guangfa Bank issued the Zhenshang Platinum Credit Card, it was mainly to target CITIC Bank’s i Platinum, and the application conditions were relatively loose. Generally, Zhenshang Platinum Credit Card can be applied for in the following ways:

1. Conditions required for active application

Applicants must have a stable job and income. When applying for a card, Can provide valid supporting documents, such as work certificate and income certificate stamped with the company's official seal; if there is additional financial proof, such as real estate certificate, driving license, deposit receipt, etc., try to provide some, and we will apply for Zhenshang for you Platinum credit card bonus points.

2. Conditions for bank phone invitation to apply for a card

To get an active invitation from China Guangfa Bank, you must be a high-quality customer of the bank, such as having deposits, financial management, insurance and other businesses with the bank. Coming and going. For customers who are proactively invited by banks to apply for a card, the amount they apply for will generally not be less than 50,000 yuan.

3. Application conditions for card application

The above are the application conditions for GF Zhenshang Platinum Credit Card. Different application methods require applicants to meet different conditions. Cardholders We can choose different card application methods according to their own credit conditions. From this point of view, is it not as difficult to apply for the GF Zhenshang Platinum Credit Card as you imagined?

What is the limit of Guangfa UnionPay Diamond Credit Card? The applicant's credit conditions are key

The China Guangfa Bank UnionPay Diamond Credit Card is a top-tier credit card that can provide high-end value-added service benefits such as top private club privileges, unlimited golf practice, unlimited roadside assistance, etc., and is very popular among card friends. focus on. Many card friends also want to know the limit of this GF Diamond Card. Let’s find out together.

1. What is the limit of Guangfa UnionPay Diamond Credit Card?

Usually the credit card limit is affected by the card level. The higher the credit card level, the higher the limit. For example, the most common high-end credit card, such as the Platinum Card, has a minimum limit of 50,000 yuan, while the GF Diamond Card is several levels higher than the Platinum Card, and the limit is at least several times that of the Platinum Card.

In addition, applying for the Guangfa Diamond Card requires that the average daily gold assets in Guangfa Bank in a natural month must be more than 300,000 yuan. It is said that when banks grant credit to credit cards, they must refer to income, usually based on monthly income. The limit is determined by 2 to 3 times of the amount, so as long as you get the GF Diamond Card you applied for, the minimum limit is several hundred thousand yuan.

Of course, the final amount depends on the applicant’s credit conditions, such as the applicant’s age, gender, unit, income, position, housing, education, marriage, real estate, professional title and other factors. It will affect the approved card limit.

2. How to increase the limit of Guangfa UnionPay Diamond Credit Card?

For a high-end credit card like this, it is not as difficult as you might imagine to increase your credit limit.

If you feel that the limit is not enough, call the VIP service hotline of China Guangfa Bank and you may be able to increase the limit immediately. Or you can directly apply for overseas card swiping permissions, make a few more purchases overseas, and there is basically no suspense about increasing your credit limit.

After all, since the bank dares to provide a limit of 100,000, it must be under risk control, and naturally it will not be stingy in raising the limit.

Is the GF Dingji Platinum Card a high-end card?

Yes. This is a card launched by China Guangfa Bank for high-end people. The annual fee alone is relatively high. As long as you use it 48 times a year, there is no annual fee for this card. The annual fee is waived in the first year of account opening. As long as the user has used it for 48 years in the first year, there will be no annual fee in the second year. In the second year, as long as the user can use it 48 times, there will still be no annual fee in the third year, which means that the cardholder can use it for one year. If it is used more than 48 times, then there will be no annual fee in the second year, which means that the Guangfa Bank Credit Card Center does not want cardholders to take the card without using it

Guangfa UnionPay Dingji Platinum Card

Although it depends on the name It's just a platinum-level card, but this card is positioned as "beyond platinum" and has similar benefits to the previous GF UnionPay Diamond Card (Elite Edition), but GF later renamed these benefits.

There are airport transfers, star hotel sports, equestrian experiences, Shanghai Disney discounts, etc.

Specifically how to enjoy the rights, the entrance will not be opened until 1.3. It is estimated that the way to obtain benefits is similar to the previous Guangfa UnionPay Diamond Card (Elite Edition), and the quota may be more open.

Unlimited airport high-speed rail self-built VIP lounge (if you spend more than 500 yuan per month, you can enjoy it the next month); free 1 point (1 time)/year Airport Dragon, 1 point (2 times) )/year domestic high-speed rail VIP; although it is Dingji Platinum, the benefits are the same as those of the previously issued Guangfa UnionPay Diamond Card (Elite), so there is no difference.

The airport VIP service is generally given to net worth users who meet the financial management standards of various banks, or some high-end credit cards with high thresholds (such as China Merchants Classic White, ICBC Grand Platinum, Minsheng Elite White and above cards).

Many cardholders are worried about the VIP service at the airport, and even spend 200 yuan to buy it on the spot. Now they only need one Guangfa UnionPay Dingji Platinum card. Isn’t it very tempting?

The last batch of GF UnionPay Diamond Card (Elite) cardholders used this privilege during the National Day trip, which attracted a lot of attention. Of course, whether you support this right depends on whether the airport has a separate terminal.

The official website of GF Credit Card issued an announcement that the previous GF Visa Infinite Card (Elite Edition) has been renamed GF Visa Dingji Infinite Card, and the GF UnionPay diamond VIP privileges have been adjusted to the GF exclusive Dingji VIP privileges as above. , you can enjoy the benefits of the new card without having to cancel or change the card.

For this reason, no matter whether you have applied for a card before or you are applying for a package now, there will only be an improvement in the benefits (the scope and quantity of benefits will be opened up), which will be mentioned later, and you don’t need to. Worried about what will happen to those who placed cards before.

Guangfa Visa Dingji Infinite Card

Since it carries the word "infinite card", the rights and benefits will naturally be based on the top ones. Specific details include:

Exclusive Hilton Worldwide Gold Card membership, 50% discount on swimming and fitness in high-end hotels, family doctors, green channels for medical treatment and physical examination medical services; VIP treatment at overseas airports once a month, unlimited times Domestic Guangfa Bank airport and high-speed rail VIP halls will give you 1 point/year each at domestic Longteng airport and high-speed rail VIP halls; 3 times the points for overseas consumption; VIPs at Guangfa Bank VIP service windows, etc.

What is the difference between Guangfa Credit Card’s standard gold card and standard platinum card?

1. Differences in application conditions

Generally speaking, banks will approve funds for high-quality customers Card. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 400,000 yuan are more likely to be approved for a gold card.

Platinum Card is a credit card launched by the card issuer to distinguish it from Gold Card customers, and provides higher-end services and benefits than Gold Card. Usually, banks will actively invite qualified customers to apply for Platinum Card. Platinum Card Card customers can enjoy platinum customer service hotline services and distinguished value-added services. Generally, the application criteria for platinum credit cards of banks are an annual salary of more than 100,000 yuan or proof of financial resources of more than 500,000 yuan.

2. The difference in credit limit

The credit card limit refers to the maximum amount of overdraft that can be approved by the bank based on the asset status and credit status of the cardholder. The higher the limit, the more money you can overdraw, and of course, the greater the repayment pressure.

The limit of a gold credit card is generally between 10,000 yuan and 50,000 yuan; that of a platinum card is around 100,000, or even as high as 500,000.

3. The difference in annual fees

The annual fee of the credit card gold card will be lower than that of the platinum card, and the annual fee-free discount standard gold card will be lower than the platinum card. Moreover, there are many platinum cards launched by banks that do not offer discounts on annual fees.

4. Differences in credit card rights

Because the card levels are different, the credit card rights enjoyed are also different. Generally, platinum cards can enjoy higher discounts at preferential merchants and redeem points for gifts, while gold cards can enjoy slightly lower discounts, and platinum cards can enjoy many value-added services provided by banks. For example: airport VIP lounges, free golf, skipping the queue at the bank, etc.

5. The difference between lost card protection

Lost card protection means that the bank will freeze the credit card account after the credit card is lost or stolen to prevent it from being stolen and compensate for the loss after theft. Different credit card levels naturally have different levels of card loss protection. Currently, ICBC, Everbright, Shanghai Pudong Development Bank and other credit cards do not have lost card protection services, while the lost card protection services of Bank of China, Agricultural Bank of China and other banks are only open to platinum card customers.

Extended information:

Guangfa Bank Standard Credit Card Gold Card, the first standard credit card in China. Enjoy card loss protection 48 hours before reporting the loss in full, high-value insurance protection of your choice, interest-free installments for "everything goes", points accrual for overdraft cash withdrawals, and many other functions and discounts, allowing cardholders to spend more freely and manage finances more easily.

The GF Credit Card Platinum Card generally refers to the GF Zhenxiang Platinum Credit Card. The GF Zhenxiang Platinum Credit Card is specially designed for customers who pursue a higher quality of life. It has green medical channels, green airport channels, unified loss reporting services, and free gifts. High-cost travel accident insurance, emergency ride-hailing services and other functions. For high-end people with different needs, golf platinum cards, business travel platinum cards and car owner platinum cards are specially designed.