How to check the limit of sending text messages with Guangfa Credit Card?
How to check the remaining credit limit of China Guangfa Bank: Use your reserved mobile phone to edit a text message with the 4-digit mantissa of 400 credit and send it to 95508 to check the available limit and cash withdrawal limit of the specified card up to the time of sending the text message.
How to check the credit card limit of Guangfa Bank online:
The first step of credit card limit query: log in to Guangfa Online Banking
The second step of credit card limit query: enter the limit query page
Repay in full to avoid recurring interest
Although banks emphasize the interest-free period when popularizing credit cards, most people do not understand the rules of the interest-free period. I wasn't very clear about it, so I spent a lot of money in vain. For example, during the Spring Festival, Xiao Zhang paid 4,000 yuan with a credit card to buy a new mobile phone. When the repayment was made, there was only 3,999.7 yuan in his account. After the bank debited the money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don’t think so. If consumers don’t repay in full, they must pay interest and do not enjoy the interest-free period (daily interest = interest rate on the remaining outstanding amount of the day). It is recommended that everyone repay the loan in full to avoid greater losses.
Temporarily increase your credit limit to avoid maxing out your credit card
In fact, every credit card has a hidden over-limit limit. When you max out your credit card, it is easy to use the over-limit limit. , and once you use the over-limit limit, it means you have to pay a high over-limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.
The minimum repayment amount must be sufficient to avoid late payment fees
In daily life, we often encounter inoperable situations. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees.
How to check the limit of Guangfa Credit Card
How to check the limit of Guangfa Credit Card:
1. For inquiries at Guangfa outlets, take your credit card and ID card to Guangfa Bank You can check the website.
2. Check the credit card limit through the credit card statement given to you by China Guangfa Bank.
3. For telephone inquiries, call China Guangfa Bank customer service hotline 95508 to check the credit card limit.
4. SMS query, edit the SMS "400 credit card 4-digit mantissa" and send it to 95508 to query the credit card limit.
5. For online inquiries, log in to personal online banking through the official website of China Guangfa Bank for online inquiries.
6. For inquiries on WeChat, follow "Guangfa Credit Card", click "Apply for a Card" - "Check Limit", and then follow the prompts to bind the card to inquire.