The annual fee of Guangfa Credit Card has been generated, and the user has paid the annual fee. At this time, you can apply to the manual customer service for a supplementary fee, and the annual fee deducted after the supplementary fee is completed will be returned to the credit card account. The annual fee has only entered the bill, and the user has not paid it back. At this time, the application for card replacement can be directly reduced, and the user does not need to pay the annual fee.
Guangfa Credit Card is the first domestic standard credit card issued by Guangfa Bank 1995, and it is also the first credit card to achieve profitability. The credit limit of the card is preset according to international standards, which is used for overdraft consumption and cash withdrawal transactions without pre-deposit. The interest-free period of overdraft consumption can be as long as 50 days. As long as you repay in full before the repayment due date stipulated by the bank, you can enjoy interest-free treatment from the trading day to the repayment due date. The repayment method is flexible, you can pay off in full, or you can choose the minimum repayment amount, enjoy revolving credit, and manage your finances more freely. GDB cards can be used by more than 65,438+10,000 merchants with "China UnionPay" logo or connected with banks in China, and cash can be withdrawn from more than 37,000 ATMs. Guangfa card and dual-currency card can be used in more than 300 countries and regions around the world; Guangfa RMB card can be used by merchants with "China UnionPay" logo overseas, and local currency can be withdrawn from ATM.
Set up a 24-hour service hotline 95508 or (86)20-873 10029 for GDB customers to provide faster and more caring services. Online services include: GDB card business introduction, bill inquiry, customer preferential information, GDB card opening, credit line adjustment, online instant loss reporting, data modification, integral gift exchange, etc. Customers' various card needs for GDB cards can be properly handled by simply calling. Guangfa mainly promotes credit card annual fee: Puka UnionPay card annual fee 40 yuan Jinka UnionPay card annual fee 80 yuan; Annual fee-free policy: MasterCard Titanium Card will be exempted from annual fee in the first year after swiping the card for six times, and the annual fee for each card will be charged according to 480 yuan in the first year. From the first year, after spending 80,000 yuan on credit card every year, the annual fee for the following six months can be exempted. Cash advance limit: 50% of the credit limit; Interest-free period: 20 days to 50 days; Consumption verification method: signature signature password; Revolving credit interest: 0.05% interest is charged every day, with a minimum charge of 1 yuan; Consumption SMS notification fee: 300 yuan and above are free, and SMS notification function is required in 300 yuan and below. The fee is 3 yuan per month.
How many times is the credit card of Guangfa Bank free of annual fee?
CGB's credit cards are exempt from annual fees for many times, as follows:
1. Gold card and ordinary card of Guangfa Bank's personal credit card: the annual fee for the first year is exempted for newly opened cards, and the annual fee for the next year is exempted for swiping cards six times or more each year.
2. Shang Zhen Platinum Card of China Guangfa Bank: within 90 days after the card is issued, the annual fee for the first year is exempted if you swipe your card three times or more, and the annual fee for the next year is exempted if you swipe your card 12 times or more.
Guangfa Bank Credit Card is the first standard credit card in China. The credit limit of the card is preset according to international standards, which is used for overdraft consumption and cash withdrawal transactions without pre-deposit.
China guangfa bank was established in September 1988 with a registered capital of RMB114.08 million, and its headquarters is located at No.713, Dongfeng east road, Yuexiu district, Guangzhou, China. With the approval of the People's Bank of the State Council and China, Guangdong Development Bank, as a pilot bank for financial system reform in China, was established on the beautiful Pearl River and is one of the earliest joint-stock commercial banks in China.
On April 8, 20 1 1, with the approval of the regulatory authorities and relevant government departments, the original registered name of Guangdong Development Bank Co., Ltd. was changed to "Guangfa Bank Co., Ltd.". The English name was changed to "ChinaGuangfaBank" ("China guangfa bank").
By the end of June 2020, the total assets of Guangfa Bank were 28 1 trillion yuan, an increase of 6.84% compared with the beginning of 2020; The total liabilities were 2.59 trillion yuan, an increase of 7.02% compared with the beginning of 2020. In the first half of 2020, Guangfa Bank achieved an operating income of 40.907 billion yuan and a net profit of 6.486 billion yuan.
On March 9th, 2020, "20 109 China Banking 100 Top List" was released, and Guangfa Bank ranked 16.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
How much is the annual fee-free for Guangfa Credit Card?
1. The period from the card opening date of Guangfa Credit Card to the following year is one year. Brush Guangfa Credit Card 6 times this year, free of annual fee.
2. The credit line of this card is preset according to international standards, and it can be used for overdraft consumption and cash withdrawal transactions without pre-deposit.
3. The interest-free period of overdraft consumption can be as long as 50 days. As long as you repay in full before the repayment due date stipulated by the bank, you can enjoy interest-free treatment from the trading day to the repayment due date.
4. The repayment method is flexible, you can pay off in full, or you can choose the minimum repayment amount, enjoy revolving credit, and manage your finances more freely.
Guangfa Credit Card Annual Fee Standard:
China Guangfa Bank credit card RMB Capka: the annual fee for the main card is 40 yuan/year, and the annual fee for the auxiliary card is 30 yuan/year.
Gold card of Guangdong Development Bank Credit Card in RMB: the annual fee of the main card is RMB/year in 80 yuan and RMB/year in 48 yuan.
The credit card of Guangfa Bank is USD Capka: the annual fee of the main card is 65,438+05 USD/year, and the annual fee of the auxiliary card is 65,438+02 USD/year.
CGB credit card USD gold card: the annual fee of the main card is USD 30/year, and the supplementary card 18 USD/year.
China guangfa bank credit card dual currency Capka: the annual fee of the main card is RMB/year in 90 yuan, and the annual fee of the auxiliary card is RMB/year in 45 yuan.
China Guangfa Bank Credit Card Dual-currency Gold Card: the annual fee of the main card is 260 yuan RMB/year, and the supplementary card is+65,438 RMB/year.
How to handle the credit card of Guangfa Bank;
Applicants who have reached the age of 18-60/65, have a stable job and income, and have a good credit status can apply for the credit card of Guangfa Bank. Detailed application materials include identity certificate, work certificate and economic certificate.
1. Online application: log in to official website Credit Card of Guangfa Bank, then follow the interface prompts, select a permanent city, and fill in Chinese name, pinyin, ID number, certificate validity period, mobile phone number, verification code, SMS verification code, etc. , and then check "Discover Wonderful" in the synchronized opening of Guangfa Credit Card Portal APP, and follow the prompts to open it.
2. Network application: bring ID card, proof of income, etc. Go to the outlets near the business hall of Guangfa Bank, apply for a credit card from the staff, and then fill in the form as required and show relevant information to apply for a credit card.
3. Telephone application: Call the 24-hour credit card service hotline 95508 of Guangfa Bank, enter the ID number (letters are replaced by buttons, and the number is #), and then press 2 to apply for Guangfa Card.
4. SMS application: Edit the SMS "XYK" and send it to 95508 for application. The bank will contact you to apply for a credit card within 2-5 working days after the SMS is sent.
How can the annual credit card fee of Guangfa Bank be exempted?
1. Credit card annual fee-free policy of Guangfa Bank.
At the same time, Guangfa Bank introduced an annual fee-free policy. The annual fee for the first year is directly exempted, and the annual fee for the second year is exempted by swiping the card six times a year. (Except Platinum Card, Business Card, Business Card and Transfer Card) Confirmed by the Credit Card Center of Guangfa Bank, Guangfa Credit Card does not charge an annual fee, and online payment is used to calculate the consumption times.
Two. China guangfa bank credit card annual fee standard
1. Personal credit card:
The main card of USD Platinum Card is USD 300, and the supplementary card of USD Platinum Card is USD 180.
The main card of standard platinum card is 2500 yuan, and the auxiliary card of standard platinum card 1500 yuan.
Shang Zhen Platinum Card has 480 yuan as the main card and 240 yuan as the supplementary card.
The main card of China Southern Platinum Card is 2500 yuan, and there is no supplementary card.
The main card of Air China Platinum Card is 2500 yuan, and the supplementary card of Air China Platinum Card 1250 yuan.
The main card of Zhenqing Platinum Card is 2500 yuan, and the auxiliary card of Zhenqing Platinum Card 1250 yuan.
The main platinum card enjoys RMB 800 yuan, and the subsidiary platinum card enjoys RMB 400 yuan.
800 yuan is the main card of Dongfeng Nissan Platinum Card, and 400 yuan is the deputy card of Dongfeng Nissan Platinum Card.
800 yuan is the main card of Spring and Autumn Platinum Card, and 400 yuan is the vice card of Spring and Autumn Platinum Card.
The owner's platinum card is 2,888 yuan, and the owner's platinum card supplementary card 1488 yuan.
The main business travel platinum card is 2888 yuan, and the auxiliary business travel platinum card is 1488 yuan.
The main golf platinum card is 3888 yuan, and the supplementary golf platinum card 1988 yuan.
Unlimited Card/World Card Master Card 12000 Yuan, Unlimited Card/World Card Sub-card 5000 Yuan.
Main titanium card 480 yuan, auxiliary titanium card 240 yuan.
Zunyue Platinum Card 2000 yuan
The main card of China Eastern Platinum Card is 2500 yuan, and there is no supplementary card.
800 yuan is the main card of Ctrip Platinum Card, and there is no supplementary card.
Master card 800 yuan, excluding supplementary cards.
Dual-currency gold card main card 260 yuan, dual-currency gold card auxiliary card 130 yuan.
90 yuan, the main card of the dual-currency ordinary card, and 45 yuan, the deputy card of the dual-currency ordinary card.
Special Price Card 30 yuan
RMB Gold Card Master Card 80 yuan, RMB Gold Card Subsidiary Card 48 yuan.
85 yuan, the main card of Zhenqing RMB Gold Card, and 55 yuan, the subsidiary card of Zhenqing RMB Gold Card.
The main card of RMB ordinary card is 40 yuan, and the auxiliary card of RMB ordinary card is 30 yuan.
45 yuan, the main card of Zhenqing RMB ordinary card, and 35 yuan, the deputy card of Zhenqing RMB ordinary card.
USD30 is the main card of USD Gold Card, and USD 18 is the supplementary card of USD Gold Card.
USD 15 is the main card of USD ordinary card, and USD 12 is the supplementary card of USD ordinary card.
Dollar short-term foreign exchange card USD9
HKD Gold Card HKD250, HKD Gold Card HKD 150.
HKD ordinary card main card HKD 125, HKD ordinary card supplementary card HKD 100.
2. Personal quasi-credit card:
RMB Gold Card Master Card 40 yuan, RMB Gold Card Subsidiary Card 24 yuan.
The main card of RMB ordinary card is 20 yuan, and the auxiliary card of RMB ordinary card is 15 yuan.
USD 15 is the main card of USD gold card, and USD9 is the subsidiary card of USD gold card.
USD 8 is the main card of USD ordinary card, and USD 6 is the subsidiary card of USD ordinary card.
Us dollar short-term foreign exchange card USD5 and hong kong dollar short-term foreign exchange card HKD40.
HKD Gold Card HKD 125, HKD Gold Card HKD75.
HKD60 is the main card of HKD ordinary card, and HKD50 is the supplementary card of HKD ordinary card.
3. Corporate credit card:
$300, the main card is USD platinum card, and there is no supplementary card; Rmb gold card main card RMB 160, no secondary card.
Rmb ordinary card, the main card is RMB80, and there is no secondary card; Dollar gold card USD60, no supplementary card.
$30, USD ordinary card main card, no supplementary card; HKD Gold Card HKD500, excluding supplementary cards.
HKD ordinary card HKD250, no supplementary card; Business dual-currency card Gold card 360 yuan, no supplementary card.
Business Dual Currency Card Ordinary Card 180 yuan, without supplementary card.
4. Unit quasi-credit card:
Rmb gold card master card RMB80, no supplementary card; RMB ordinary card is used as the main card in 40 yuan, and there is no secondary card.
Dollar gold card USD30, no supplementary card; USD 15, USD ordinary card main card, no supplementary card.
HKD Gold Card HKD250, excluding supplementary cards; HKD ordinary card HKD 125, excluding supplementary cards.
Is there an annual fee for Guangfa Credit Card?
There is an annual fee for the credit card of Guangfa Bank.
However, the credit card of Guangfa Bank has an annual fee-free policy. Generally, cardholders can unconditionally reduce the annual fee in the first year of card opening, and in the second year, cardholders only need to swipe their cards six times to reduce the annual fee for the next year.
Moreover, the credit card of Guangfa Bank will not charge an annual fee if the card is not activated, and only after the cardholder successfully activates the credit card will the annual fee be charged.
The annual credit card fee of Guangfa Bank is as follows:
1. China guangfa bank credit card RMB Karp card annual fee RMB/year in 40 yuan and RMB/year in 30 yuan;
2. The annual fee of RMB gold card for 2.CGB credit card is 80 yuan/year and 48 yuan/year.
3. The annual fee for the standard platinum card of CGB credit card RMB card is 2,500 yuan/year, and that for the secondary card 1500 yuan/year.
Guangfa Bank Credit Card is the first standard credit card in China. The credit limit of the card is preset according to international standards, which is used for overdraft consumption and cash withdrawal transactions without pre-deposit. The first is the standard card, which is aimed at the general public and has no specific directivity. True Love Card and Pearl Card are high-end credit cards specially set up to locate women in the new era. These credit cards will get certain discounts when buying some female consumer goods. The owner's card is aimed at private car owners, and they will enjoy more benefits in refueling and car maintenance. At the same time, Guangfa Bank has issued a business card with a credit card, which can be applied in some large-scale consumer places and hotels, and will enjoy a certain preferential amount in some hotel services and reservation business.
The interest-free period of overdraft consumption can be as long as 50 days. As long as you repay in full before the repayment due date stipulated by the bank, you can enjoy interest-free treatment from the trading day to the repayment due date. The repayment method is flexible, you can pay off in full or choose the minimum repayment amount.
Credit card type of Guangfa Bank:
1. Guangfa Zhihui Credit Card: a credit card for urban white-collar workers, which can be overdrawn for cash withdrawal.
2. Guangfa Duolijin Credit Card: There are various benefits and rights for eating, drinking and having fun, including Didi, Meituan, Starbucks, WeChat and Alipay cashback.
3. Guangfa Taobao Credit Card: a credit card launched by Guangfa Bank for young people.
4. Guangfa Shang Zhen Platinum Credit Card: Professionals design credit cards for customers who pursue a higher quality of life.
5. Guangfa owner's credit card: up to 36% cash back for refueling or 20% discount for high-speed tolls.
6. Guangfa Iqiyi Credit Card: Give Iqiyi Gold VIP members every month.
7.GDB enjoys the gold card: 500,000 accident insurance will be given when activated.
8. Guangfa True Love Credit Card: Female Credit Card.
9. Guangfa Didi Co-branded Card: Send 30 taxi tickets every year.
Does Guangfa Bank charge an annual fee for its credit card?
1, the annual credit card fee of Guangfa Bank, and the charging standards for ordinary cards, gold cards and platinum cards are different.
2. Annual fee standard of Guangfa Credit Card:
3. Puka: The annual fee of the main card is RMB/year in 40 yuan, and the annual fee of the auxiliary card is RMB/year in 30 yuan.
4. Gold card: the annual fee of the main card is 80 yuan/year, and the supplementary card is 48 yuan/year.
5.USD Capka: annual fee of main card 15 USD/year, and annual fee of auxiliary card 12 USD/year.
6. Dollar gold card: the annual fee of the main card is USD 30/year, and the supplementary card is USD 65,438+USD 08/year.
7. Dual-currency Capka: the annual fee of the main card is 90 yuan RMB/year, and the annual fee of the auxiliary card is 45 yuan RMB/year.
8. Dual-currency card gold card: the annual fee of the main card is 260 yuan RMB/year, and the supplementary card is 130 yuan RMB/year.
9. This high credit card can realize your dream! Light up your dreams! !
10. Credit card annual fee exemption policy of Guangfa Bank:
1 1. Whether it is a gold card or an ordinary card, the rules for annual fee exemption are the same: annual fee exemption in the first year, and annual fee exemption in the second year after swiping the card six times.
12. Confirmed by CGB Credit Card Center, CGB Credit Card has not been opened, and there is no annual fee. CGB Credit Card supports online payment. Customer service telephone number: 95508