Is Guangfa Credit Card good? What are the advantages and disadvantages of Guangfa Credit Card?

Friends who pay attention to credit card consultation may know that the usage rate of Guangfa Credit Card is gradually increasing, and Guangfa Bank “gives you more, The service concept of "seeing farther for you" is also favored by the public. So what are the advantages and disadvantages of Guangfa Credit Card? Kabaobao gave everyone a summary.

What are the advantages and disadvantages of Guangfa Credit Card?

1. Advantages of Guangfa Credit Card

1. The threshold for applying for a card is low: Guangfa is easier to apply for. As long as you can issue a work certificate, all conditions can be ignored

2. Convenient withdrawal: 100% cash withdrawal after half a year, 56-day long interest-free period; "

3. The starting point for installment is low: the starting point is only 500, there is 48-hour card loss protection, and Alipay is supported;

4. Enjoy triple points from merchants of your choice: Guangfa Bank True Love Card is a credit card specially designed for women. The card surface adopts a transparent card design and has triple credit from merchants of your choice. Cardholders can choose according to their own requirements. Choose one of the four consumption categories of department stores, restaurants, tourism or entertainment as the designated merchant type for triple credit card points

5. Use the GF Zhenqing Credit Card with double insurance. , safer and more assured: The True Love Card provides you with double card security. When your credit card account balance changes, you will receive an instant SMS notification to promptly remind you to check the status of your credit card and cooperate with the full report of loss. 48-hour card loss protection will compensate for losses caused by credit card theft within a certain range, making your card use more secure.

6. Guangfa Zhenqing Credit Card Instant Pass: To ensure the safety of your funds, you will be charged 300 for each transaction. You can enjoy free text message reminders for all transactions worth RMB 1,000, and you will be notified of account changes immediately, so you can use the card with more peace of mind. If you need SMS reminder service for all transactions, you only need to call 95508 to activate it, and the fee is only 3 yuan per month. /p>

2. Disadvantages of Guangfa Credit Card

1. The SMS service fee is 3 yuan;

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

3. Few branches

4. There are no 800 and 400 hotlines; and customer service hotlines are set up by branches in various places.

I believe that after Kabaobao’s summary, everyone will appreciate the advantages of Guangfa Credit Card. I have learned about the shortcomings, and I hope it can help everyone to fully understand Guangfa Credit Card.

What are the benefits of Guangfa Bank Credit Card?

1. Annual fee discount, regular card and gold card. Card holders can enjoy the first-year annual fee exemption, and the next annual fee is waived for six transactions.

2. Overpayment discount. Most banks will cost money to withdraw the overpayment, but Guangfa Bank does. There is no handling fee for credit card overpayments, which definitely saves cardholders a lot of money.

3. Statement discounts. Cardholders can understand their consumption and points status through statements. Wait, but if you can't find the statement and need to make a replacement, Guangfa Bank only charges 3 yuan.

4. Insurance discount, get a copy.

Is Guangfa Bank's credit card good?

First of all, Guangfa Bank, as the earliest bank in China to provide credit cards, has done well in terms of special merchants, discounts and frequency of activities, and has been recognized by users. Of course, in addition to these advantages, GF's credit card is also worthy of our praise for the following points:

(1) The billing date of GF's credit card is very user-friendly. The billing date of GF's credit card is the cardholder's birthday, which is easy to remember.

(2) Guangfa credit card customers can earn double points for spending with their cards in their birthday month, and customers will enjoy a 12% discount when redeeming gifts in their birthday month. This setting is also very user-friendly and is worth learning from other banks.

(3) GF’s credit card can be fully withdrawn after half a year;

(4) GF’s credit card has a long interest-free period of 56 days;

(5) The installment starting point for "Bianxiangxing" is low (only 500);

(6) There is 48-hour card loss protection; Alipay is supported.

The above six points are the most praiseworthy aspects of GF's credit cards. The following are the shortcomings of GF's credit cards:

(1) The zero-letter interest rate of GF's credit cards is relatively high, compared with other banks In comparison, it is the highest.

(2) For Guangfa’s credit cards, you can only change the cash advance password, but not the consumption password. It is easy for the card to be lost and fraudulently used.

(3) Disadvantages: There is no 800400 number, and 95508 is set up by branches in various places; there are few outlets.

Summary: Guangfa Credit Card is suitable for users who like full cash withdrawals and low starting installments.

This ends the introduction of what are the good credit cards of Guangfa and the better credit cards of Guangfa. I wonder if you have found the information you need?