What is Guangfa’s DIY credit card (credit card)?
Guangfa DIY Credit Card (credit card) is a product targeting young white-collar workers. This credit card (credit card) can choose from dining, entertainment, shopping and travel through points discounts. Wait for the three major categories of merchants to accumulate three times the points by swiping your credit card (debit card), and then use the points to offset the fees, or use the consumption to exchange for gifts.
DIY is also divided into gold card and regular card. The gold card has an annual fee of RMB 80 and the limit is between 10,000 and 50,000. The regular card has an annual fee of RMB 40 and the limit is between 3,000 and 10,000. For first-time applicants, the success rate of applying for a general card will be higher.
What does DIY credit card mean?
Even if we have not used credit cards, we have at least heard of them online or in banks. As for how to DIY credit cards, it all depends on your own creativity. Below is what I have compiled for everyone, for your reference!
What does DIY credit card mean?
That is, you can choose the face of the credit card yourself, such as your parents’ photos , children's photos, and your wedding photos on the bank card. Just go to the official website of China Construction Bank and look at the MYLOVE card to find out
Guidelines for the use of GF DIY Credit Card
Guangfa DIY Credit Card is a credit card product designed for young and fashionable white-collar workers. Based on the points discount platform, merchants in the three major categories of catering, entertainment, shopping and travel are selected to provide triple points for swiping card purchases to meet your fast-paced work style and simple and independent consumption proposition.
Three times the points for the merchant type of your choice
You can freely choose your favorite merchant type from the following three merchant types and enjoy triple the points discount.
Catering and entertainment: including various catering and entertainment businesses
Shopping: including department stores, supermarkets, clothing, shoes and bags, etc.
Travel Category: Including air tickets, hotels, vacations, travel and other types of merchants
Remarks: If you only choose one category, it is free; if you select more than one category, 29 yuan/year will be deducted for each more than one category Charge fees.
Points can be used to offset fees or freely exchange gifts
Your GF DIY credit card consumption points can not only be redeemed for points gifts, but you can also directly apply for discounts to offset fees and arrears. Every 10,000 points can be used to offset 20 Yuan, the more you accumulate, the more discounts you can get.
Function details:
1. The "Triple Points for Selected Merchant Types" function is currently limited to application when opening the card. Application, modification or cancellation of services will not be accepted after opening the card. Our bank will make adjustments in the subsequent business development, please pay attention to our website () or mobile phone SMS notifications.
2. The specific merchant types of "Triple Points for Selected Merchant Types" are: (The number in brackets is the merchant category code, that is, MCC) Catering and entertainment categories include dining venues and restaurants (5812), and fast food restaurants (5814 ), drinking establishments (bars, pubs, nightclubs, cocktail halls, discotheques) (5813), dance halls (7911), large game consoles and game venues (7994), amusement parks, circuses, carnivals, divination (7996), Theater production (excluding movies), performances and ticketing (7922), cinemas (7832); shopping categories include large warehouse supermarkets (5411), large warehouse household goods stores (5200), department stores (5311), electronics Equipment, home appliance stores (5732), sporting goods stores (5941), cosmetics stores (5977), beauty and barber shops (7230), health and beauty SPA (7298); travel category includes accommodation services (hotels, hotels, motels, Resorts, etc.) (7011), sports and entertainment campsites (7032), passenger rail transport (4112), airlines (4511), travel agencies (4722), airport services (4582), ship and cruise line services (4411), car rentals (7512), Tourism and Exhibition (7991), Direct Selling of Tourism-related Services (5962).
3. Consumption points must be redeemed at a minimum of 10,000 points to offset the outstanding balance. Applications will not be accepted when the card points are less than 10,000 points.
Every 10,000 points can be deducted from RMB 20 of consumer debt. Each time you apply for a discount, the points must be an integral multiple of 10,000 points, and the amount of discount cannot exceed the accumulated balance of the DIY card on that day.
4. The GF DIY Credit Card gold card can enjoy multiple points with a maximum monthly consumption of 200,000; the regular card can enjoy multiple points with a maximum monthly consumption of 100,000.
5. If you are delayed or in a risky situation in a certain billing month, you will not be able to obtain multiple points discounts for all transactions in that billing month.
6. GF DIY Credit Card’s bonus points for the selected merchant type will be given away in the month following the transaction.
7. If the GF DIY credit card you hold is an IC chip card, it supports credit card transactions and electronic cash transactions. The balance of the electronic cash account is initially 0, and can be loaded and recharged through the credit card account of this card. If you use GF DIY card electronic cash quick pass transaction, the transaction will not be counted as points and you will not enjoy multiple points.
8. If the GF DIY credit card you hold is an IC chip card, it can support electronic cash transactions at merchants with the (UnionPay) or (Quick Pass) logo. You can insert the card or click Completed by card.
9. If your credit card is lost, you can call our customer service hotline 95508 to report the loss of the credit card. Electronic cash accounts cannot be reported as lost.
10. If the GF DIY credit card you hold is an IC chip card, when updating or replacing it, you need to transfer the electronic cash balance of the old card to the new card at the counter, and the old card will be taken back by our bank destroy. The bank will transfer the electronic cash account balance to the new card's credit card account within 30 calendar days after acceptance. The amount transferred shall be based on the amount recorded in the bank system. If not returned, the electronic cash balance of the old card can continue to be used until the expiration of the card's validity, and no transfer is allowed during this period.
11. If the GF DIY credit card you hold is an IC chip card, the cancellation of the electronic cash account must be handled at our bank branch, and the card will be recovered and destroyed by our bank.
12. Within the scope permitted by law, China Guangfa Bank may adjust the product and activity details according to the actual situation and in accordance with national laws and regulations.
Personalized credit card: you can DIY the card face
In addition to rich functions, today’s credit cards also have a colorful and personalized card face. Some banks provide DIY cards, allowing users to design their own credit card faces.
For example, Mr. Cheng has been married for 5 years and has always had a good relationship with his wife. She has always wanted to find an opportunity to express her love for his wife, but his wife did not like it very much when he gave roses. By chance, Mr. Cheng learned from his colleagues that there was a personalized credit card with a DIY card face. So he used their wedding photos as card faces as a souvenir for their 5th wedding anniversary.
For young people, having a credit card with a self-identification is a unique personality. A personalized credit card is not only a credit card, but also a symbol of their identity.
Currently, personalized credit cards include China Construction Bank’s MYLOVE card. Users can upload and edit personal photos (such as close-ups of cherished babies, sweet wedding dresses++, warm family photos, etc.), which can be downloaded from the website Choose your favorite pictures from the gallery and personally design the face of MYLOVE credit card or CITIC Bank's QQ-DIY credit card. Cardholders can personally design the QQ show screen for the card and print their own designs on the card face. In addition, there are dog cards from China Guangfa Bank and WOW cards from Pudong Development Bank.
What does Guangfa Credit Card DIY Card mean?
Guangfa DIY Credit Card is a credit card product designed for young and fashionable white-collar workers. The card product is based on the points discount platform and selects three major categories of merchants: catering and entertainment, shopping and shopping, and travel and travel. It provides triple points for swiping your card to meet your fast-paced work style and simple and independent consumption proposition. The following content is excerpted from Guangfa Bank Credit Card Center. 3x Points for Selected Merchant Types You can freely choose your favorite merchant type from the following three merchant types and enjoy triple points discount. Catering and entertainment category: includes various catering and entertainment merchants. Shopping category: includes department stores, supermarkets, clothing, shoes and bags, and other merchants. Travel category: includes air tickets, hotels, vacations, tourism, and other merchants. Note: If you only choose one If you choose more than one category, it will be free; if you choose more than one category, the fee will be deducted at RMB 29 per year for each category.
Points can be offset against fees or freely exchanged for gifts. Your GF DIY credit card consumption points can not only be redeemed for points gifts, but you can also directly apply for discounts to offset fees and arrears. Every 10,000 points can be offset by 20 yuan. The more you accumulate, the more discounts you can get. Function details: 1. The "Triple Points for Selected Merchant Types" function is currently limited to application when opening the card. Application, modification or cancellation of services will not be accepted after opening the card. Our bank will make adjustments in the subsequent business development, please pay attention to our website or mobile phone SMS notifications. 2. The specific merchant types of "Triple Points for Selected Merchant Types" are: (The numbers in brackets are the merchant category codes, that is, MCC) Catering and entertainment categories include dining venues and restaurants (5812), fast food restaurants (5814), drinking venues (bars, Pubs, nightclubs, cocktail halls, discotheques) (5813), dance halls (7911), large game consoles and gaming venues (7994), amusement parks, circuses, carnivals, divination (7996), theater productions (excluding movies ), performances and ticketing (7922), movie theaters (7832); shopping categories include large warehouse supermarkets (5411), large warehouse household goods stores (5200), department stores (5311), electronic equipment, and home appliance stores (5732 ), sporting goods stores (5941), cosmetics stores (5977), beauty and barber shops (7230), health and beauty SPA (7298); travel categories include accommodation services (hotels, hotels, motels, resorts, etc.) (7011), Sports and entertainment campsites (7032), passenger rail transport (4112), airlines (4511), travel agencies (4722), airport services (4582), ship and cruise line services (4411), car rentals (7512), tourism and exhibitions (7991), direct sales of travel-related services (5962). 3. Consumption points must be redeemed at a minimum of 10,000 points for off-payment arrears. Applications will not be accepted when the card points are less than 10,000 points. Every 10,000 points can be deducted from RMB 20 of consumer debt. Each time you apply for a discount, the points must be an integral multiple of 10,000 points, and the amount of discount cannot exceed the accumulated balance of the DIY card on that day. 4. The GF DIY Credit Card gold card can enjoy multiple points with a maximum monthly consumption of 200,000; the regular card can enjoy multiple points with a maximum monthly consumption of 100,000. 5. If you are delayed or have a risk situation in a certain billing month, you will not be able to obtain multiple points discounts for all transactions in that billing month. 6. Bonus points for GF DIY Credit Card’s selected merchant type will be given in the next month of transaction. 7. If the GF DIY credit card you hold is an IC chip card, it supports credit card transactions and electronic cash transactions. The balance of the electronic cash account is initially 0, and can be loaded and recharged through the credit card account of this card. If you use GF DIY card electronic cash quick pass transaction, the transaction will not be counted as points and you will not enjoy multiple points. 8. If the GF DIY credit card you hold is an IC chip card, it can support electronic cash transactions at merchants with the (UnionPay) or (Quick Pass) logo, which can be completed by inserting the card or ticking the card. 9. If your credit card is lost, you can call our customer service hotline 95508 to report the loss of the credit card. Electronic cash accounts cannot be reported as lost. 10. If the GF DIY credit card you hold is an IC chip card, when updating or replacing it, you need to transfer the electronic cash balance of the old card to the new card at the counter, and the old card will be taken back and destroyed by our bank. The bank will transfer the electronic cash account balance to the new card's credit card account within 30 calendar days after acceptance. The amount transferred shall be based on the amount recorded in the bank system. If not returned, the electronic cash balance of the old card can continue to be used until the expiration of the card's validity, and no transfer is allowed during this period. 11. If the GF DIY credit card you hold is an IC chip card, the electronic cash account cancellation must be handled at our bank branch, and the card will be recovered and destroyed by our bank. 12. Within the scope permitted by law, China Guangfa Bank may adjust the product and activity details according to the actual situation in accordance with national laws and regulations.
What is the limit of Guangfa Bank DIY Credit Card?
There are two types of Guangfa Bank DIY Credit Card. The limit of regular card is within 10,000 yuan, and the limit of gold card is between 10,000 and 50,000 yuan. Yuan, the specific amount is related to the qualifications and credit report of the card applicant.
If your qualifications are not very good, you can apply for a regular card, which will have a higher chance of getting the card.
The limit of the Guangfa Bank DIY Gold Card is within 50,000 yuan. The specific limit may be different for everyone and depends on the applicant's financial resources, credit and other comprehensive circumstances.
If your personal credit is not good and has been overdue, it will affect the credit limit you apply for. If your credit card is poor, it will be rejected.
For more information about the limit of Guangfa Bank DIY Credit Card, go to: View more content
What is the annual fee of Guangfa DIY Credit Card? No annual fee if you swipe a few times
Guangfa DIY Credit Card allows cardholders to freely customize card benefits, which is very good. Many cardholders will pay attention to the annual fee of the card when applying. Compared with other banks, the annual fees for China Guangfa Bank's credit cards are very low. Except for the platinum card, they are basically less than 100 yuan. Let's take a look.
Guangfa Credit Card Annual Fee Standard
Guangfa DIY Credit Card, based on your current fast-paced work style and simple and independent consumption proposition, is based on the points discount platform and selects catering and entertainment Merchants in the three major categories of shopping, shopping and travel offer triple points for swiping card purchases. The card has two levels: regular card and gold card. The annual fees for different levels of credit cards are different.
General card annual fee: main card 40 yuan/card/year, supplementary card 20 yuan/card/year; gold card annual fee: main card 80 yuan/card/year, supplementary card 40 yuan/card /year;
Guangfa Credit Card Annual Fee Policy
The annual fee is waived in the first year, and the annual fee for the next year is waived if the card is swiped 6 times in the same year.
Comments: The annual fee for GF DIY Credit Card is not high, and you can easily waive the annual fee for the next year. Moreover, there are no restrictions on the amount or location of this consumption, and online consumption also counts, so it is very easy to do.
Card benefits:
1. 3 times the points for the merchant type of your choice
You can freely choose your favorite merchant type among the following three merchant types and enjoy three Double points discount to accelerate your points accumulation!
Catering and entertainment: including various catering and entertainment businesses
Shopping: including department stores, supermarkets, clothing, shoes and bags, etc.
Travel Category: including air tickets, hotels, vacations, travel and other types of merchants
Note: If you select only one category, it is free; if you select more than one category, 29 yuan/year will be deducted for each category. cost.
2. Points can be freely used for low consumption or exchange for gifts
You no longer have to worry about points being nowhere to be used! Now you can not only redeem GF credit card points for gifts, but you can also directly apply for a discount on your payment arrears. Every 10,000 points can be used to offset 20 yuan. The more you accumulate, the more discounts you can get!
Example: Ms. Zhang chose the "travel category" for free. She spent ***10,000 yuan at travel merchants that month and earned 30,000 yuan in points, which can reduce her consumption debt by 60 yuan!
Example: Mr. Li chose two major merchant types: "travel" and "shopping", and the annual service fee is only 29 yuan. This month, Mr. Li spent 10,000 yuan on air tickets and hotels, and 5,000 yuan on department store shopping. He earned 45,000 points. Since the minimum redemption requirement is 10,000 points, he can directly deduct the 80 yuan arrears. Yuan.
Guangfa DIY Card
(3 times the points at the merchant type of your choice, points can be freely exchanged for gifts or used to offset debts)
Is the annual fee waived for GF DIY Credit Card? How is the annual fee charged?
Guangfa DIY Credit Card has been attracting the attention of many people since Guangfa Bank. People want to know all aspects of its information, including its annual fee information. Some people have asked: Is there no annual fee for Guangfa DIY Credit Card? How is its annual fee charged?
Guangfa DIY Credit Card Annual Fee
This credit card has two levels: regular card and gold card. Different levels have different annual fees.
1. Regular Card
The annual fee for the regular card of this credit card is RMB 40 per year for the main card and RMB 30 per year for the supplementary card.
2. Gold Card
The annual fee for the Gold Card of this credit card is RMB 80 per year for the main card and RMB 48 per year for the supplementary card.
Is there no annual fee for GF DIY Credit Card?
Many people hope that the annual fee of the credit card can be reduced or reduced when applying for a credit card. However, with this credit card, both the regular card and the gold card directly waive the annual fee in the first year. There is no annual fee.
If you want to be exempted from the annual fee for the next year, you need to swipe the card 6 times within one year from the card verification date to be exempted from the annual fee for the next year. However, there is no limit on the amount of consumption, and there is no limit on the annual fee. Limited consumption form.
Therefore, operations such as transferring money with Alipay, etc., only need to be completed 6 times, which is still very easy to achieve.
The annual fee of GF DIY Card is not high. The annual fee of regular card and gold card does not exceed 100 yuan, and it directly waives the annual fee of the first year. The annual fee of the following year can also be paid by swiping the card. It is waived after 6 purchases, so there is no annual fee burden when applying for this credit card. I think this credit card is worth buying.
This concludes the introduction to DIY credit cards and ICBC DIY credit cards. Have you found the information you need?