guangfa 4-star customers can enjoy waiting in line when handling related business, and enjoy higher store cashback activities, etc. If they want to become guangfa 4-star customers, they need to meet the reliability value of more than 55 points, the staging standard of 1,-5,, and the accumulated points consumption standard of 1,-4,. Users can know their star rating by calling the customer service hotline.

it is difficult for many people to achieve spending points above 1, yuan, which requires cardholders to spend more with credit cards at ordinary times and avoid spending in places that do not generate points. It should be noted that the generated points have a certain validity period. In order to ensure a high number of points, users should ensure that their monthly consumption will not decrease.

Credit cards should be repaid on time after normal use, and there should be no overdue repayment. If overdue repayment will generate penalty interest and the overdue record will be uploaded to the credit information center by the bank, in case of overdue repayment, this record will be kept in the credit information report for 5 years, and will disappear automatically after 5 years.

if the credit card has not been repaid after use, the bank may sue the cardholder at this time, and it is impossible not to repay at this time. In fact, when repayment is difficult, you can use installment repayment or minimum repayment amount. Using these two methods can avoid overdue repayment, but users need to pay a certain fee.