(1) The credit card of Guangzhou Bank is divided into gold card and platinum card, and the platinum card is divided into elite airline card. Different cards have different functions. Platinum Card (Elite Edition) Standard Platinum Credit Card: Annual fee: 288 yuan/year, free of annual fee in the first year, and free of annual fee in the following year after swiping the card for 6 times. Points policy: 1 yuan = 1 points, 3 times points in the month of birthday, and the highest point 1 10,000 points/household at a time. All basic activities of Guangzhou Bank Credit Card can be participated.
(2) Platinum Card China Southern Pearl Platinum Credit Card: It is a travel assistant jointly built by Guangzhou Bank and China Southern Airlines. Annual fee: 680 yuan, free of annual fee in the first year, free of annual fee in the following year if the accumulated mileage is spent 3 times or more than 5,000 yuan. Points policy: mileage consumption 12 yuan, accumulated mileage of China Southern Airlines 1. Accumulated double mileage for business travel/overseas consumption.
Disadvantages of Guangzhou Bank Credit Card:
(1) The application conditions are very strict, as long as you have a work permit and an ID card. However, only Guangzhou, Jiangmen, Foshan, Shenzhen, Nanjing, Huizhou and Zhongshan have household registration, or bachelor degree or above, or have purchased provident fund, or institutions (schools, hospitals and institutions) can handle it.
(2) Generally speaking, the probability of passing is relatively low.
Guangzhou Bank Credit Card Application Rules:
(1) Credit card applicants and cardholders guarantee that all information provided to the bank is true, complete, accurate and legal; Agree that the bank should know and inquire about its property, credit status and personal credit information from relevant parties (including but not limited to the basic database of personal credit information of the People's Bank of China) and keep relevant information; Agree that the bank will submit its personal credit information to the basic database of personal credit information of the People's Bank of China; It is agreed that the bank will disclose its personal data and credit status to any third party it deems necessary for providing credit card services, including but not limited to branches, agents, outsourcing agencies, co-branded card partners and relevant credit institutions. No matter whether the card is approved or not and whether the credit card is terminated, the relevant information will not be returned.
(2) The bank implements multi-card account management for credit cards, and all cards (including main card and supplementary card) under the cardholder's name belong to the same credit card account. Both the cardholder of the main card and the cardholder of the supplementary card with full capacity for civil conduct promise to be jointly and severally liable for all debts incurred under the main card and the supplementary card, while the cardholder of the supplementary card with limited capacity for civil conduct is only liable for debts incurred under the supplementary card.
(3) The credit line is the shared line of all cards (including the main card and the supplementary card) under the cardholder's name, and it is also the shared line of RMB account and USD account. The bank has the right to approve or adjust the credit limit according to the credit status of the cardholder, and notify the cardholder of the information about the adjustment of the credit limit in time. According to the credit status and credit limit of the cardholder, Guangzhou Bank has the right to issue or adjust the credit card to the corresponding level.
(4) Bank of Guangzhou has the right to issue other credit cards for cardholders with their consent.