Which Guangfa credit card is the best to apply for?
The application conditions for Guangfa Credit Card are all similar, so it depends on which card is suitable. Here are some:
1 , China Guangfa Bank Ctrip Credit Card: issued to meet the card needs of business travelers.
2. Guangfa Bank Smart Credit Card: Unique IQ300 smart consumption rebate discount.
3. Guangfa Bank QQ Credit Card: Guangfa QQ Car Card is mainly aimed at private car owners.
4. China Guangfa Bank China Southern Airlines Sky Pearl Credit Card: mainly provides aviation services and financial management services.
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Platinum Card has a high annual fee-free limit!
The Guangfa Credit Cards are all similar. It mainly depends on what rights you need. Here are some:
1. Vitality Credit Card: The benefits of this card are mainly reflected in sports. Sports aspects.
2. Intime Credit Card: This card is mainly designed for fashion elites.
3. China Economic Huitong Credit Card: Enjoy 2% cash rebate when swiping the card for refueling, etc., suitable for people with cars.
4. Taobao Credit Card: It has unique functions such as "refund for swiping the card" and "refund in consecutive installments". If you frequently shop online, you can choose it.
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Which credit card from Guangfa Bank is worth applying for? You can take a look at these models
Among the many mainstream banks, China Guangfa Bank’s credit card issuance volume has always been high due to its low threshold and many discounts. China Guangfa Bank has a wide range of card types, including many credit cards worth applying for. Here are a few popular credit cards.
1. Guangfa Car Owner Card
Although it is not a new card, the number of card applications has remained high, and it is one of the first choice credit cards for many car owners. Its most attractive feature is that it can customize various service benefits for car owners.
For example, if you make any point-based transaction within 3 months after the card is issued, you will receive free 100 kilometers of roadside assistance services and high-value accident insurance; monthly refueling can provide up to 6% cash back and 5 times the points for refueling. , an additional 20% discount on expressway tolls. If you are a new householder, you can enjoy more generous benefits when applying for a card, including a 24% discount on highway passes + free ETC electronic tag + up to 15% cash back.
2. GF Sharp Card
The most attractive thing about GF Sharp Card is the cashback offer. Cardholders can choose from three major merchants: catering, entertainment, shopping, and travel. Select one or more categories among the types, and after selecting, you can enjoy discounts when you spend at designated types of merchants.
That is, cardholders can get cash back for a single purchase of 99 yuan and up to 199 yuan for cash back. 1%. Every Friday, you can get 5% cash back, up to 100 yuan. In addition, cardholders can enjoy 3 times the points when spending at merchants of their choice.
3. China Guangfa Bank True Love Card
It is also a very popular credit card of China Guangfa Bank. Most of the applicants are female customers. After all, this is a female-only credit card. Although men can also apply, women are given preferential treatment, and the approval rate of women's applications is higher than that of men.
The most worthwhile thing about applying for this credit card is that it can provide women with many considerate services, such as triple points plan for merchants of their choice, insurance plan of their choice and other functional services, and they can also enjoy discounts from many merchants.
4. GF Ctrip Credit Card
This card is specially designed for business travelers. The two cards combine to accumulate Ctrip points in both directions, provide travel accident insurance, and waive handling fees for a monthly cash withdrawal from another place. Discounts, etc. are all special functions of the card to meet the card usage needs of business travelers.
I would like to ask which kind of Guangfa credit card should I apply for
1. The DIY credit card launched by Guangfa Bank is better.
2. Guangfa Bank’s DIY credit card is suitable for consumption and entertainment. The application threshold for this credit card is low and the application process is relatively simple. Moreover, the points accumulation mechanism after using the credit card is also relatively good. At the beginning of using the credit card, there are generous account opening gifts and credit card points activities. The limit of this credit card is generally between 3,000 and 10,000 yuan. And for people who use it frequently, credit card limits can be increased relatively quickly. At the same time, the annual fee for this credit card is still very low, only 40 yuan. The annual fee will be waived in the first year of use.
For more information about which credit card should be applied for by Guangfa, go to: View more content
Which credit card from Guangfa is better and more practical?
By listing the types of Guangfa Bank credit cards and comparing their functions below, you can see at a glance which Guangfa Bank credit card is better and which Guangfa Bank credit card is suitable for you to use.
There are 17 types of Guangfa Bank credit cards***:
(1) Guangfa Bank Vitality Credit Card: The discounts are mainly reflected in sports.
(2) Guangfa Bank Intime Credit Card: This card is mainly for fashion elites.
(3) China Guangfa Bank China Economic Huitong Credit Card: 2% cash back when swiping the card to refuel, etc.
(4) Guangfa Bank Taobao Credit Card: It has unique functions such as "refund for swiping the card" and "refund in consecutive installments".
(5) Guangfa Bank Ctrip Credit Card: Issued to meet the card needs of business travelers.
(6) China Guangfa Bank Smart Credit Card: Unique IQ300 smart consumption rebate discount,
(7) Guangfa Bank China Eastern Airlines Credit Card: Automatically redeem China Eastern Airlines miles, high-value aviation accident insurance and Travel inconvenience insurance, full card loss protection 48 hours before reporting loss, and interest-free installment payment by "Bianxiangxing"
(8) China Guangfa Bank China Unicom Credit Card: Cardholders can purchase China Unicom products such as iPhones, etc. Enjoy interest-free and handling fee-free installment offers.
(9) GF 7 Days Co-branded Credit Card: It is jointly issued by GF 7 Days Hotel chain, and the discounts are mainly reflected in hotels.
(10) Guangfa Bank Shenzhen Airlines Zunpeng Credit Card: It has functions such as "mileage pre-loan" and "linked account".
(11) Guangfa Bank QQ Credit Card: Guangfa QQ Car Card is mainly aimed at private car owners.
(12) GF Hope Credit Card: Charity aspect.
(13) China Guangfa Bank China Southern Airlines Sky Pearl Credit Card: mainly provides aviation services and financial management services.
(14) Featured functions of Guangfa Bank’s credit cards: card loss protection, interest-free installment payment by “Bianxiangxing”, mail order installment payment, overdraft cash withdrawal, etc.
(15) China Guangfa Bank Standard Credit Card: Special features include card loss protection 48 hours before full report of loss, free insurance of your choice, ultra-low minimum repayment amount, ultra-long interest-free repayment period, "Everything" offers interest-free installments, mail-order installments, points for overdraft cash withdrawals, etc.
The annual fee for the main card: the annual fee for the regular card UnionPay card is 40 yuan, the annual fee for the gold card UnionPay card is 80 yuan
Annual fee exemption policy: annual fee is waived in the first year, and it is waived after swiping the card six times. The annual fee for the Titanium MasterCard Card in the next year is 480 yuan per card. The annual fee is charged in the first year. From the first year, points can be accumulated every year and the annual fee for the next half year will be waived on a rolling basis if you spend 80,000 yuan with the card.
Cash advance limit: 50% of the credit limit
Interest-free period: 20 days to 50 days
Consumption verification method: signature+password
Revolving credit Interest (daily interest): 0.05% interest is charged every day, the minimum charge is 1 yuan
Consumption SMS notification fee: free notification for purchases above 300 yuan, and the SMS notification function is required for purchases below 300 yuan, and the fee is 3 yuan per month< /p>
The most worthy credit cards to apply for from China Guangfa Bank!
Recently, the CITIC Credit Card’s offer for movie viewing and China Merchants Bank’s installment phone number was changed to 9 yuan. The Shanghai Pudong Development Bank’s installment phone number was very angry! Let’s talk about abolishing the industry today!
Guangfa has been nicknamed "Destroyed" in the circle. Haha, it is very intuitive. Guangfa + Fa = Wasted! But actually I think GF is not useless. In my opinion, GF is still very kind in terms of consumer returns! In fact, if the working conditions of Guangfa Card are okay, you will not be disappointed in the credit limit. Compared with China Construction Bank and China Pudong Development Bank, Guangfa is very impressive. Moreover, the limit increase speed is very fast. Based on my experience of increasing the limit of the Premium Platinum Card in my hand, the limit first increased from 3W to 9.5W after one and a half years of card maintenance!
Today, I will start with applying for a card and talk about how to use Guangfa Bank credit card.
Let’s first recommend a few GF Zhenshang Platinum Credit Cards:
The first one I will promote is the GF Zhenshang White
GF Zhenshang Platinum Credit Card: 3x points for business travel/overseas spending
This card is regarded as a high-speed rail artifact. It is optional for short-distance travel users. It has unlimited high-speed rail VIP services. It is equipped with a Longteng card for free and can receive up to 4 times (2 points)/year of Longteng high-speed rail VIP room privileges; points are also Miles can be redeemed at a ratio of 25:1. And business travel category MCC can earn 3 times the points. MCC codes for business and travel merchants: 4411 (ship and cruise line services), 4511 (airlines), 4582 (airport services), 4722 (travel agency), 5962 (direct sales of travel-related services), 7011 (accommodation services: hotels, hotels, cars Hotels, resorts, etc.), 7012 (time-share villas or vacation homes), 7991 (tourism and exhibitions), etc. So if we all use business travel expenses, we can spend 8.3 yuan to exchange for 1 mile. The important thing is that this platinum card comes with no annual fee! ! At first I thought platinum with no annual fee was all fake platinum, but when I saw the Dragon Card and the minimum exchange rate of 8.3:1 for miles, I felt that even fake platinum is better than many real platinums! ! This card is free of charge for the first year if you make 3 transactions of more than 88 yuan within 90 days of issuance; and the annual fee is waived for the next year if you make 12 transactions within 90 days of issuance. Is it worth it?
The second recommendation is Guangfa DIY Credit Card
Listen to me and tell me the reasons for the recommendation. DIY can customize 3 times the points at the merchant of your choice, and you can choose up to 3 categories (catering, shopping, travel) ; The threshold for applying for a card is low. Those with good credit and no problem with the information can generally apply for the card. The gold card can earn 3 times the points for spending up to 200,000 yuan per month, and the regular card can earn 3 times the points for spending up to 100,000 yuan per month. Moreover, when this card is combined with the following recommended Guangfa International Student Card, points can be exchanged for mileage at a rate of 6.7:1.
The third one: Guangfa International Student Card
With the Guangfa International Student Card, there is no handling fee for the first overseas withdrawal every month, and it can be redeemed for China Southern Airlines, Air China, China Eastern Airlines, and Asia Miles at a ratio of 20:1. The great thing about this card is that you can DIY with the GF card, and you can enjoy the points of the two cards. On the basis of 3 times the points of DIY, you can use the combined points of international students to exchange for miles, and you can accumulate 1 mile by spending 6.7 yuan. Isn’t it more kind than many real platinum cards to spend 12 yuan and earn 1 mile?
The fourth one: Guangfa China Southern Platinum Card, Air China Friends Platinum Card
Excellent value of China Southern Airlines Pearl, Air China Friends mileage accumulation
Platinum Card automatically accumulates RMB 7 yuan 1 mile.
Jinpu Card automatically accumulates 1 mile for 14 RMB.
Double mileage for business travel consumption
Double mileage for gold card and above domestic airline, hotel and travel agency consumption, double mileage for platinum card overseas consumption, 4411 (ship and cruise route services) , 4511 (airline), 4582 (airport services), 4722 (travel agency), 5962 (direct sales of travel-related services), 7011 (accommodation services: hotels, hotels, motels, resorts, etc.), 7012 (time-share villas or Vacation accommodation) and 7991 (travel and exhibition) can earn double points. In this way, the gold card can be redeemed at 7:1, and the platinum card can be redeemed at 3.5:1 for miles. It also saves you the process of exchanging it yourself, so why not do it.
The fifth card: GF Zhenqingbai
Quick card application channel: GF Zhenqing Credit Card
This card has multiple points for selected merchant types, in department stores and restaurants , travel and entertainment, choose any two items from the four categories to get 5 times the points on weekdays and 8 times the points on weekends!
The upper limit of multiple points accumulation is 1 million points/month/card.
Mileage redemption can be redeemed at 20:1 for international students
Unlimited free access to Guangfa exclusive airport
Unlimited high-speed rail VIP room privileges
With 6-point Dragon Card
Free VIP appointment registration service for tertiary hospitals in major domestic cities 3 times a year
3 medical guidance services
Enjoy 1 In-depth health examination services for women worth a thousand yuan per time
And a series of high-cost health insurance for women
The annual fee is 2,500 yuan/year
Although the annual fee is rigid 2,500 yuan There is a fee, but if you follow the benefits and points policy of this card, I think it is completely worth getting one to play with!
By the way, although the main users are women, male compatriots can also apply, as long as they are netizens.
In addition, the risk control system of GF is sometimes strict. You need to be careful when using your card to cash out, make beautiful statements, and pay more protection fees to the bank. You can still earn a lot of mileage every year. In addition, it is recommended not to use too many small amounts with GF cards. According to my card-using experience, Guangfa focuses on the quality of credit card consumption, not quantity. Cardholders who do not have a Guangfa card can apply for relevant credit cards on the official website by themselves. You can only use it if you have the card, haha!
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Which Guangfa Credit Card is the most practical?
Guangfa Bank has many types of cards, and users can choose according to their own circumstances.
The types and characteristics of Guangfa Bank credit cards are as follows:
(1) Guangfa Bank Vitality Credit Card: The discounts are mainly reflected in sports.
(2) Guangfa Bank Intime Credit Card: This card is mainly for fashion elites.
(3) China Guangfa Bank China Economic Huitong Credit Card: 2% cash back when swiping the card to refuel, etc.
(4) China Guangfa Bank Taobao Credit Card: It has unique functions such as “refund by swiping the card” and “refund in consecutive installments”.
(5) Guangfa Bank Ctrip Credit Card: Issued to meet the card needs of business travelers.
(6) Guangfa Bank Smart Credit Card: Unique IQ300 smart consumption rebate discount.
Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services.
Main features of credit card:
1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;
2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
3. Credit cards are high-tech products that integrate financial services and computer technology.
4. Credit cards can reduce the use of cash;
5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
6. Credit cards It can simplify the collection procedures and save social labor;
7. Credit cards can promote product sales and ++social needs.
In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants
Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.
The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
That’s it for the introduction of GF credit cards.