Established in 1988, Guangfa Bank is one of the first joint-stock commercial banks in China, and is committed to providing customers with high-quality, efficient and all-round comprehensive financial services.

China Guangfa Bank has established 43 tier-one branches and 843 business offices in 1 cities at or above the prefecture level in 24 provinces (municipalities and autonomous regions) and Macao Special Administrative Region, and established correspondent bank relations with 1,718 bank headquarters and their branches in 125 countries and regions around the world, providing services for more than 3, corporate customers, 34.22 million individual customers, 57.11 million credit card customers, etc.

In terms of credit cards, the advantages and disadvantages of Guangfa Bank are as follows:

1. Advantages:

1. Free of the annual fee for the first year, and free of the annual fee for the next year after six swipes;

2. The overpayment will be recovered free of charge;

3. Only 3 yuan is needed to make up the statement;

4. Send an insurance copy;

5. There is a discount for getting a card

2. Disadvantages:

1. The SMS service fee needs 3 yuan;

2. The loss reporting fee is high in 85 yuan;

3. There are few outlets.

The credit card of Guangfa Bank is the mainstream credit card, but you should choose the corresponding card according to your own needs. For example:

If you are a car owner, it is recommended to apply for Guangfa Zhongjing Huitong Credit Card, Guangfa Shenzhen Airlines Zunpeng Credit Card and Guangfa Owner Credit Card. With Guangfa Owner Credit Card, you can enjoy 1 kilometers of free road rescue, free high accident insurance, thoughtful maintenance service and preferential functions.

If you love online shopping, it is recommended to apply for Guangfa Taobao Credit Card. With this card, you can get the value of RMB 9 yuan back in successive installments and "kill" the goods at preferential prices.

If you are a sports enthusiast who loves to play and run, it is recommended to apply for Guangfa Vitality Credit Card, which can give priority to booking sports venues and participating in sports activities for free.

if you are a business traveler who likes to travel and often flies, it is recommended to apply for CGB China Eastern Airlines Credit Card and CGB China Southern Airlines Pearl Credit Card, which can enjoy the discount of air tickets and the use of VIP lounge.