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Guangfa credit card iq300
How to use credit card points of Guangfa New Smart Card?

The new smart card points of Guangfa Credit Card are only used for repayment. Unlike other points, they cannot be exchanged for physical products. The specific operation is as follows:

1. Open the integral mall homepage of China Guangfa Bank, and the first line in the upper left corner has the red font "Please login":

2. Open the login interface, enter the credit card or certificate number or mobile phone number, and enter the login password and verification code to log in to the mall:

3. Click "Value-added Service Zone" at the top of the login interface:

4. Find the new smart card icon in the service area, and then click:

5. After selecting the confirmation information in the opened interface, click "Buy Now":

Extended data:

Guangfa smart card integration rules

1. You can enjoy 5 times points for a single credit card purchase in 300 yuan.

2. For interest-free installment transactions of banks, in addition to the original transaction method, the points can also be calculated at 10 times of the installment principal.

3. Deal with the installment transaction of financial intelligence gold, and calculate 10 times points according to the principal of financial intelligence gold.

4. If the monthly bill is not fully repaid, the unpaid part of the current bill is 10 times.

5. Guangfa Credit Card Smart Card has unique IQ300 smart pre-stored discount, which allows you to enjoy super-high reward. Coupled with IQ300 smart consumption, installment, and periodic integral concessions, you can double your points for consumption and give back endlessly. With a brand-new Guangfa smart card and IQ300, it can be called wisdom consumption wisdom.

How about Guangfa Smart Credit Card Gold Card?

Guangfa Smart Credit Card is a RMB single-currency credit card issued by Guangfa Bank, which is suitable for white-collar workers at home. What is the basic service of Guangfa Smart Credit Card Gold Card? The annual fee for the gold card of Guangfa Smart Credit Card is 80 yuan, which is free for the first year, the second year and six times. The maximum interest-free period is 50 days.

The characteristics of Guangfa Smart Credit Card are mainly reflected in the accumulation and exchange of points. Details are as follows:

Guangfa smart card has unique IQ300 smart consumption refund discount, which allows you to enjoy super high return reward. Coupled with IQ300 smart consumption, overdraft withdrawal, installment points discount, double the points for consumption, and endless feedback. With a brand-new Guangfa smart card and IQ300, it can be called wisdom consumption wisdom.

Five points of penetration/installation:

Smart points offer allows you to enjoy rapid accumulation of multiple points and accumulate points more quickly.

5 times points in cash: Guangfa Smart Credit Card can enjoy 5 times points for all overdraft withdrawals, making your withdrawals more favorable.

50% points for installment: Guangfa Smart Credit Card successfully handles interest-free installment of "Everything", "Wealth Management Fund" and "Bill Installment", and can enjoy 50% points for installment principal.

Points to offset consumption balance:

The fast-growing smart points can be directly used to offset the consumption balance through GDB's 24-hour customer service hotline 95508. Every 10000 points can reach 20 yuan, and the feedback is real. Don't worry about not getting the points!

Example: Mr. Li swiped 5,000 yuan to buy a mobile phone, and divided the transaction into different stages. Earned smart points can be used to offset the consumption in 60 yuan.

Cash/installment discount for new card:

After the issuance of Guangfa Smart Credit Card, the first three overdrafts are free of charge, and the first three 12 and above are free of charge. Easier!

For example, after Mr. Zhu applied for the card, he handled a installment of 5,000 yuan, which was divided into 18 installments, and the handling fee for each installment was 0.7% of the principal, so the total handling fee was 108 RMB.

Guangfa Bank Credit Card Selection Card Application Form

Can Guangfa Credit Card iq300 be increased?

Yes, when preparing to withdraw the credit card of Guangfa Bank, you should know the following points:

First of all, credit cards must be used normally for more than half a year. Prove that this card is a common card.

Secondly, credit cards approach or exceed the quota every month. This is to tell the bank that your credit card limit is really insufficient. In this case, it is very likely that the bank will take the initiative to inform you that you can increase the credit card limit. The bank's voluntary invitation to withdraw cash is generally high, at around 50%.

There is one more point, which is also the most important point. In the process of using a credit card, try to repay in full, and the minimum repayment amount will affect the bank's financial judgment on you. Not to mention the overdue payment. If you have a record of overdue repayment, the bank will generally not take the initiative to raise the amount for you.

Overdue repayment may also cause bad records in your credit card records, which will have a greater impact on all your future financial-related credit records.

Guangfa credit card IQ300 smart card interest-free installment

Every bank's installment payment is interest-free, but there is a handling fee.

Any consumption paid by credit card of Guangfa Bank can be registered for installment payment as long as a single payment reaches 500 yuan.

Registration method:

1. Uplink SMS self-registration binding:

(1) Edit the short message "Share amount of ZDY card in the last four application periods" and send it to 95508.

(2) Consumption that reaches the threshold amount can be automatically phased.

Note: "06, 12, 18, 24" can be edited for the number of application periods, and "500, 1000, 2000, 3000" can be edited for the starting amount.

2. Login online banking/mobile banking self-service registration binding:

(1) Log in to online banking/mobile banking and select "Credit Card".

(2) Select "Installment Payment-Automatic Consumption Installment"

(3) Select binding information such as credit card.

(4) Consumption can be automatically phased.

3. Call registration binding:

(1) Call the Credit Card Center

(2) Enter /ID -4-0

(3) Apply for automatic staging.

(4) Consumption can be automatically phased.

Which card is the most practical for Guangfa Credit Card?

There are many kinds of cards in Guangfa Bank, and users can choose according to their own situation.

The types and characteristics of credit cards of Guangfa Bank are as follows:

(1) Guangfa Bank Vibrant Credit Card: The discount is mainly reflected in sports.

(2) Guangfa Bank Yintai Credit Card: This card is mainly for fashion elites.

(3) China Guangfa Bank Zhongjing Huitong Credit Card: 2% cash will be returned by swiping the card to refuel.

(4) Guangfa Bank Taobao Credit Card: It has unique functions such as "credit card consumption return" and "continuous installment return".

(5) China Guangfa Bank Ctrip Credit Card: issued to meet the needs of business travelers.

(6) Guangfa Bank Smart Credit Card: unique IQ300 smart consumption refund discount.

Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get 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 guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Let's stop here for the introduction of Guangfa Credit Card iq300.