the annual fee of the main card is 48 yuan/year, and the annual fee of the supplementary card is 24 yuan/year, which will be deducted from the date of card activation. If the credit card issues three transactions (each 88 yuan) within 9 days, the first annual fee can be refunded to meet the requirements of the next month's return; Annual fee can be waived within 12 trading cycles (the exemption method for supplementary cards is the same as that for main cards). For example, the card was issued on January 1th, opened on January 18th, and three cards were purchased on January 2th. The first annual fee will be refunded before March 1st.

:① First of all, Guangdong Development Bank, as the earliest credit card bank in China, has done a good job in terms of customers, discount intensity and activity frequency, and has been recognized by users. Of course, in addition to these advantages, Guangfa's credit card also deserves our praise for the following points: the opening date of Guangfa's credit card is very user-friendly. It is easy to remember that the date of the widely issued credit card bill is the cardholder's birthday.

② CGB credit card customers can get double points when swiping their cards on their birthdays, and enjoy an 8.8% discount when exchanging gifts on their birthdays. This environment is also very human, and it is worth learning from other banks. You can withdraw 1% after using Guangfa Credit Card for half a year; A 56-day interest-free period for widely issuing credit cards; The starting point of "everything" is low (only 5); 48-hour card damage guarantee; Support AliPay.

③ Disadvantages of Guangfa Credit Card: The zero credit interest rate of Guangfa Bank's credit card is relatively high, which is the highest among other banks. Guangfa credit card can only modify the cash overdraft password, but not the consumption password, which is prone to credit card loss and swiping. Disadvantages: there is no 84 headquarters telephone, and 9558 is set up by branches all over the country; Conclusion: Credit cards are widely distributed to those who like full withdrawal and installment payment with low starting point.

card types: the first type is a standard card, which is aimed at the general public and has no specific positioning. Truth card and Pearl card are high-end credit cards specially set up for women in the new era. These credit cards will get a certain discount when buying some female consumer goods. Owners' cards are aimed at private cars, and they will enjoy more benefits in terms of fuel and car maintenance. At the same time, business cards and Guangdong Development Bank credit cards will be issued, which can be applied in a few large-scale consumer places, hotels and so on, and in some hotel services, reservation business will enjoy certain preferential quotas.