How about Guangfa Credit Card? Advantages and disadvantages of Guangfa Credit Card

Friends who are concerned about credit card consultation may know that the usage rate of Guangfa Credit Card is gradually increasing, and the service concept of "Give you more, see further for you" of Guangfa Bank is also deeply favored by the public. So what are the advantages and disadvantages of Guangfa Credit Card? Card baby made a summary for everyone.

what are the advantages and disadvantages of guangfa credit card?

1. Advantages of Guangfa Credit Card

1. Low threshold for card application: Guangfa is easy to apply, and all conditions can be ignored as long as it can issue a work certificate

2. Convenient withdrawal: 1% withdrawal after half a year, with an extra long interest-free period of 56 days; "

3. The starting point of staging is low: as long as the starting point is 5, there is a 48-hour card loss guarantee, which supports Alipay;

4. Customers can enjoy triple points: Guangfa Bank Zhenqing Card is a credit card specially designed for women. The card face is designed with a transparent card version, which has triple credit of customers' choice. According to their consumption habits, cardholders can choose one of four consumption types, namely department store, catering, tourism or entertainment, as the designated merchant type with triple credit card points.

5. Guangfa Zhenqing Credit Card is double-insured, which is safer and more reassuring: Zhenqing Credit Card provides you with double-card security. When the balance of your credit card account changes, you will receive an instant message notification to remind you to check the status of your credit card in time. At the same time, with the protection of losing the card 48 hours before the full loss report, the loss of credit card theft will be compensated within a certain range. Make your card more secure.

6. Instant communication of Guangfa Zhenqing Credit Card: In order to ensure the safety of funds, you can enjoy free SMS reminder for every transaction in 3 yuan, so that you can know the changes of your account immediately and feel more at ease when using the card. If you need SMS reminder service for all transactions, just call 9558 to open it, and the cost is only 3 yuan every month.

2. Disadvantages of Guangfa Credit Card

1. SMS service fee needs 3 yuan;

2. The loss reporting fee is high in 85 yuan;

3. Less outlets

4. No 8 and 4 telephones; Moreover, customer service calls are set up by branches all over the country.

I believe that after the summary of Card Baby, everyone has an understanding of the advantages and disadvantages of Guangfa Credit Card, hoping to help everyone fully understand Guangfa Credit Card.

which credit card is easier to apply for in guangfa?

These three types of credit cards with premium equity are rich in card types, and there are many preferential activities. Plus, there are many outlets, which are very worth applying for. For card friends, if you want to get a card successfully, it is best to choose a credit card that is easier to apply for. Today, I will give you an inventory of three Guangfa credit cards with low threshold and premium rights. Interested friends can consider starting.

which credit card is easier to apply for in guangfa?

1. Guangfa True Love Credit Card

The classic of Guangfa Credit Card, the first female-themed credit card in China, has a high value and a variety of card versions to choose from. It can provide multiple points for self-selected merchants, discounts for many big-name merchants, and free high health insurance for women, which is irresistible to every woman who likes shopping.

It is important that the threshold for getting a card is low. As long as women have a stable job and income, they can basically get a card. However, if you want to choose a good card level, you can choose a gold card for those with average qualifications, or a platinum card for those with strong economic strength or large cards from other banks.

2. Guangfa Owner Credit Card

Guangfa Bank's exclusive credit card tailored for car owners can provide a wealth of car owners' services. When new households activate their cards, they will be given an ETC label, and they will enjoy a 2% discount on tolls or a maximum cash back of 15% when they take the expressway. They can also enjoy 1 kilometers of road rescue service and high accident insurance for free.

It is also a relatively easy-to-apply Guangfa Card. It has a car under its name, meets the requirements of age, has a stable job and income, can be approved quickly through online approval, and it is basically no problem to get off the card.

3. Guangfa Sharp Credit Card

One of the few credit cards in China, which can be cashed back from pen consumption, can be swiped in department stores, supermarkets and catering industries, with a maximum cash return of 1% every day and 5% on Fridays, which is suitable for daily household consumption expenses and can save some money more or less.

the threshold is also relatively low, but only new customers can apply for card cashback, and old customers cannot apply unless they cancel all the GDB cards under their names and apply for cards one year later.

what credit card is worth applying for in China guangfa bank? Take a look at these models

Among many prime bank, the number of credit cards issued by Guangfa Bank has been high because of its low threshold and many concessions. There are many kinds of CGB bank cards, many of which are worth applying for. Here are some popular credit cards.

1. guangfa owner's card

although it is not a new card, the number of card applications has been high, and it is one of the first choice credit cards for many car owners. Its most attractive place is that it can tailor various service rights for car owners.

For example, if you spend one point-counting transaction at will within 3 months after issuing the card, you will get 1 kilometers of road rescue service and high accident insurance for free; Up to 6% cash back for monthly refueling, 5 times points for refueling, and an extra 2% discount for high-speed tolls. If the rights and interests of new households are more abundant, they can enjoy a 76% discount on high-speed traffic+free ETC electronic tags+up to 15% cashback rights and interests of new households.

2. Guangfa Sharp Card

The most attractive thing about Guangfa Sharp Card is this cashback discount. Cardholders can choose one or more of the three major merchant types, namely, catering, entertainment, shopping and travel, and then they can enjoy the discount when spending in the designated type of merchants.

That is, cardholders can cash back 199 yuan for a single consumption in 99 yuan and 1% for cashback. 5% can be cashed back every Friday, up to 1 yuan. In addition, cardholders can enjoy 3 times points when they spend in their own merchants.

3. The True Love Card of Guangfa Bank

is also a popular credit card of Guangfa Bank, and the applicants are mainly female customers. After all, this is a female-only credit card. Although men can also apply, they are more preferential to women, and the pass rate of women's applications is higher than that of men.

The most worthy place to apply for this credit card is that it can provide many intimate services for women, such as triple points plan for self-selected merchants, self-selected insurance plan and other functional services, and at the same time enjoy many merchant discounts.

4. Guangfa Ctrip Credit Card

This card is specially designed for business travelers. The special functions of the card include two-in-one and two-way accumulation of Ctrip points, gift of travel accident insurance, and a monthly cash withdrawal from different places free of charge, so as to meet the needs of business travelers.

is it easy to apply for the credit card of guangfa bank?

As a bank with a second gradient, Guangfa Credit Card is still liked by many card users. There are many popular card types, and the application threshold and rights and interests are very good. However, the risk control of Guangfa Bank is strict. As long as you don't use the card in place, it is easy to be subject to risk reduction and serious card closure. Share the special skills of Guangfa Bank's credit card application and withdrawal, so that you can learn the correct way to play cards!

1. Card application skills

1. Credit information is very important for every bank. There are no overdue records within two years, and the number of inquiries can't exceed three times a month. If you have the above problems, the probability of being rejected will be very high. You need to integrate your personal information first, and use special credit information to repair your bad records, so that you won't be rejected when you apply.

2. Although your credit record is not overdue, don't apply blindly. If you want to apply for a credit card with a credit limit of more than 2,, you should pay attention to it in Guangfa Bank for 1-3 months, create an effective interest settlement flow with a savings card, improve your comprehensive score in Guangfa Bank, and then apply for a card type. Generally, the credit card limit will not be less than 3,!

3. It is easy to approve the entry-level cards of Guangfa in seconds. Generally, as long as the "application materials" are filled in reasonably and the credit information is normal, the online application can basically be approved in seconds. However, it should be noted that if there is no attention in Guangfa, the amount of blind application for second approval of cards will be very low, so I recommend you to use the "application materials filling skills +45-day attention building skills" here, and the effect is very good.

2. Withdrawal skills

1. Use credit cards to spend more and repay on time. Guangfa likes offline supermarkets, such as large supermarkets, department stores, restaurants and entertainment businesses, which are all favored by Guangfa. Therefore, when encountering such businesses, you can try to spend more with credit cards, with small amounts and multiple transactions, instead of frequent large amounts, otherwise the bank may mistakenly think that cardholders are suspected of cashing out. < After using a credit card to spend money, you can occasionally apply for a credit card installment repayment business, and the credit card installment business needs to pay an installment fee, which will make the bank make money and help to increase the quota.

3. The risk control is strict because Guangfa's rights and interests are relatively strong, so it also leads to its strict risk control. If your consumption is not standardized and there is tx risk, it will lead to direct reduction or restriction of consumption. If it is restricted, there are skills to lift it, just use continuous real consumption+special consumption.

4. If the personal qualifications of credit card holders have changed, you can directly carry relevant financial proof materials. You can apply for withdrawal by going to the business outlets of the issuing bank to provide relevant materials. For example, the cardholder can provide financial certificates such as real estate, vehicles and deposits under his name to the bank outlets, which is helpful to improve the quota.

This is the end of the introduction about the recommendation of Guangfa Credit Card Zhihu and Guangfa Credit Card Zhihu. Did you find the information you needed?