First of all, as the earliest credit card bank in China, Guangfa Bank has done a good job in special merchants, preferential strength and activity frequency, and has been recognized by users. Of course, in addition to these advantages, Guangfa Credit Card has the following points that deserve our praise:
(1) CGB's credit card billing date is very user-friendly. Guangfa's credit card billing date is the cardholder's birthday, which is easy to remember.
(2) CGB credit card customers can get double points when spending their cards in the birthday month, and customers can enjoy 8.8% discount when redeeming gifts in the birthday month. This setting is also very user-friendly, which is worth learning from other banks.
(3) Guangfa Credit Card can withdraw cash in full after half a year;
(4) Guangfa Credit Card has a long interest-free period of 56 days;
(5) The starting point of "Yangyang Tour" is low (as long as 500);
(6) There is a 48-hour card loss guarantee; Support AliPay.
The above six points are the most commendable points of Guangfa Credit Card, and the following are the shortcomings of Guangfa Credit Card:
(1) CGB's credit card zero interest rate is relatively high, which is the highest compared with other banks.
(2) Guangfa's credit card can only modify the cash overdraft password, but not the consumption password, which is prone to the phenomenon that the card is lost and stolen.
(3) Disadvantages: there are no 800400 telephones, and 95508 are set up by local branches; Less outlets.
Summary: Guangfa Credit Card is suitable for users who like to withdraw cash in full and installment at a low starting point.
Is the credit card of Guangfa Bank reliable?
Generally speaking, the credit card of Guangfa Bank is still very reliable. We can see that it is very reliable mainly from the aspects of bank strength, credit card quota, preferential rights and interests, repayment grace period and so on.
1. Bank strength: Guangfa Bank is a well-known joint-stock commercial bank in China. It was established with the approval of the People's Bank of the State Council and China. It has launched many credit card products for different customers.
2. Credit card limit: Generally, the limit of Guangfa ordinary card is below 654.38+0,000 yuan, the limit of Guangfa gold card is between 654.38+0,000-50,000 yuan, and the limit of Guangfa platinum card is usually above 50,000 yuan. Generally speaking, the limit is ok, but due to our different credit conditions, the specific limit is subject to reality.
3. Privilege: There are many credit card preferential activities in Guangfa Bank, such as giving gifts for repayment, giving gifts to the whole people by punching cards, and giving 100 yuan mall coupons to Sky E City activation, with 3.6 billion points per week. In addition, the annual fee is generally free in the first year and free in the second year.
4. Repayment grace period: This is the largest credit card slot of Guangfa Bank. The general grace period for repayment of other credit cards is 3 days, while that of Guangfa Bank is only one day, only once a year. If you forget to repay the loan because of some circumstances, you must call to apply. If you miss it, you will incur a penalty interest. Moreover, the tolerance of the issuing bank is not 10, but 9.99, which cannot be higher than 10.
Through the above analysis and reaction, we can see that Guangfa Bank is very reliable.
5. As the ancestor of "real credit card" in China, Guangfa has a full range of credit cards, and nearly 100 kinds of credit can be redeemed. Guangfa's low-end cards have blossomed everywhere, but high-end cards have no famous achievements. I feel that Citigroup has led me astray and my relatives are useless. From 200 16, my father Guo changed his hand, and Guangfa obviously accelerated the development and promotion of the new card.
6. The characteristics of Guangfa.
(1) Easy to get off. Lao Wang next door likes to persuade people to give sugar first, and then give it to you for XX. It is easy to distribute cards widely. After all, people like colorful flags fluttering.
(2) It is easy to raise the amount. It is first offered by new customers for half a year, then by extremely high-quality customers once every three months, and once every six months by high-quality customers, and the amount is greatly raised. After the goose belly breaks through 10w, the amount will be reduced to 15%-20% each time, and the average card can be broken by 200,000. Sometimes the withdrawal amount needs to be checked manually, and it may be checked to see if there is any credit problem. However, it will basically pass.
(3) Temporary toxicity. If February 1 is fixed and May 1 is expected to be fixed, then the temporary goose belly of the card must expire before May 1.
(4) The quota is acceptable. The credit card limit is high or low, and it will not be killed by a sap because it has no financial connection with Guangfa. You will refer to your credit information to match the limit.
(5) Risk control can make do. All along, Guangfa's risk control is relatively loose, and it is easy to raise the amount, which is very popular. Some time ago, Guangfa introduced third-party data for risk screening, and some fund parties and wool parties were shot on the spot. That's understandable. Generally speaking, Guangfa is still relatively friendly at present.
How about the credit card of Guangfa Bank?
It's good. The credit cards of Guangfa Bank are divided into three grades: ordinary card, gold card and platinum card. Depending on the card that the applicant applies for, the amount that can be obtained is different. Generally, the amount of ordinary cards is between 1000- 10000 yuan, the amount of gold cards is between 654.38+0000-50000 yuan, and the amount of platinum cards is more than 50000 yuan. The longest interest-free period of Guangfa Bank's credit card is 56 days. Cardholders can get double points for spending in the birthday month and enjoy a 8.8% discount when redeeming gifts.
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1. Is Guangfa Bank a state-owned enterprise or a private enterprise?
Guangfa Bank is a joint-stock bank, not a state-owned enterprise or a private enterprise. Its shareholders include CITIGROUPINC, IBMCREDITLLC, CITIC Trust and Investment Co., Ltd., State Grid Corporation, Shenzhen Tonggan Investment Co., Ltd., etc. Founded on July 8, 1988,/kloc-0 was registered at No.713, Dongfeng East Road, Yuexiu District, Guangzhou, formerly known as Guangdong Development Bank Co., Ltd.
2. What is the annual fee of Guangfa Bank Card?
The annual fee of Guangfa Bank Card depends on the type and level of the card. There is no annual fee for the savings card of Guangfa Bank. If the average daily balance of the account is less than 500 yuan, a small account management fee will be charged. There is an annual fee for the credit card of Guangfa Bank, including the annual fee for the main card of Puka, 40 yuan, and the supplementary card, 30 yuan; The annual fee of the main gold card is 80 yuan, and the supplementary card is 48 yuan. In addition, the gold card and the Puka card are exempt from the annual fee in the first year, and the annual fee in the following year can be exempted by swiping the card six times a year.
3. How to lift the frozen Guangfa Bank Card?
① If you enter the wrong withdrawal password for three consecutive times, you can bring your bank card and ID card to the business hall of Guangfa Bank to unfreeze.
② If the banking system fails, bring your ID card and bank card to the business hall to unfreeze or call customer service.
(3) Due to third-party reasons, it is necessary to handle cases according to law, and bank cards need to be frozen in some special circumstances. Can't be thawed before the case is over.
④ Long-term non-use of bank cards led to the freezing of counter business. I also need to go to the counter with a valid ID card and bank card.
4. Business hours of Guangfa Bank
The specific business hours of Guangfa Bank are:
① Monday to Friday: 9:00 a.m. to 9: 00 p.m. 18:00 p.m., personal and corporate business can be handled;
② Weekends and holidays: 09: 00 a.m.-65438+06:00 p.m., personal business is allowed, but company business is not allowed.
5. How many days is the grace period for credit card repayment of Guangfa Bank?
The grace period for credit card repayment of Guangfa Bank is up to 3 days. In other words, as long as the credit card bank of Guangfa Bank repays the loan within the last three days of the due repayment date of the credit card, it will be regarded as repayment on schedule, and will not be regarded as overdue, nor will it be included in the central bank's credit information system, and will not cause its own bad credit record.
So much for the introduction of Guangfa Credit Card.