Which consumption with Guangfa Credit Card does not count points?
Points are not calculated for the following transactions with China Guangfa Bank credit cards: +++++ (except Guangfa Standard Card), transfer transactions, annual fees, handling fees, deposit/loan interest, excess funds, points redemption automatic Points are not calculated for various fees such as payment amount, instant pass, late fees, etc. Points are not calculated for low discount rate, zero discount rate and special types of merchants, including but not limited to: real estate, wholesale, car sales, securities payments, public utilities, medical institutions, government agencies, charities and non-profit institutions, Some online transactions, tent and awning stores, school charges, legal services, telephone bills, insurance premiums, tax payments, payment services and other personal services not included in other codes are not calculated as points; cardholders who do not receive points for any reason When the goods or services purchased with the card are returned, or the payment made with the card is refunded due to disputes or other reasons, the points previously earned will be deducted by the Bank. The points of the main card and supplementary card of Guangfa Credit Card are combined into the main card account. Supplementary cardholders cannot redeem points for gifts, and must be redeemed by the primary cardholder. Points from different accounts of the same cardholder can be combined and redeemed according to the highest card level.
What’s the matter with the lack of points when swiping the Guangfa Credit Card?
The reason why there are no points in Guangfa Bank’s credit card may be that the points have been cleared upon expiration or the transaction channel does not comply with the bank’s points accumulation rules. For example, points can be accumulated for consumption in department stores, restaurants, entertainment, and tourism, while points cannot be accumulated for consumption of real estate, automobiles, wholesale, public hospitals, public schools, charities, and people's livelihood. The details are based on the type of merchant registered with UnionPay. China Guangfa Bank regularly publishes a list of merchants that do not accumulate points. Transactions by merchants listed on the list will not accumulate points, so please check it regularly.
Notes on using credit cards:
1. Pay attention to two dates: billing date and repayment date
Generally, the repayment date is 20 days after the billing date. Or 25 days, if the card is swiped one day after the bill date, the interest-free period will be the longest, if the card is swiped the day before the bill date, the interest-free period will be the shortest.
2. Protect the credit card information
The three most critical information on the credit card: ++, validity period, and CVV code. These three key information affect your use of the card. Security, especially the CVV code, is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code and keep those three numbers in mind.
3. Only by swiping your card frequently can you avoid annual fees; only by repaying on time can you increase your credit limit
Generally, the annual fee can be waived by swiping your credit card six times. Therefore, you must pay the annual fee. In addition, you can increase your credit card limit by swiping your card more frequently. At the same time, you must pay off your bills on time and maintain a good credit record. This is also a way to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.
4. Choose the repayment method that suits you best
In this information age, repayment methods are diversified. It is not necessary to go to a bank branch or a teller machine to transfer funds. Repayment.
5. If ++++ does not work, or repayment is delayed for some reason, you can call customer service to apply for an extension of repayment
If your funds cannot be turned over temporarily, or If your repayment is delayed due to something, don't worry, call the bank's customer service immediately and apply for an extension of one to three days.
6. What should you do if you are short of funds? Apply to change the billing date and extend the interest-free period
When applying to change the billing date, you should pay attention to calculating the billing date and enjoy the longest interest-free period. interest period to relieve the pressure of tight funds. However, this skill cannot be used every month. It is said that some banks can only apply for changes once every six months, some banks can only apply for changes once a year, and some banks can only apply for changes in a lifetime. Once!
7. Say no to all unreasonable charges
Anyone who has unreasonable charges on their credit card can call customer service, bargain with them, and apply to cancel the unreasonable charges, such as If the customer service disagrees, you can insist on complaining to the end, and you can usually win.
8. Use credit card installments with caution
Credit card installments have very high interest rates. Even if they are interest-free, the installment fees are not cheap. You need to use installments with caution and do not let the bank make a profit on itself. Cents! Of course, except for those who are unable to repay their credit card debts on time under special circumstances, and those who want to increase their credit card limit as soon as possible.
Why does Guangfa Credit Card have no points? What's going on?
In the case of Guangfa Credit Card, the situations in which points are not accumulated are as follows:
1. Transactions that do not accumulate points:
Common transactions that do not accumulate points include real estate/cars category/wholesale category/public hospital/public school/charity category/people’s livelihood category/insurance/public payment/bank deduction, etc., depending on the merchant category and payment settlement channel set by the merchant in the acquiring bank;
2. Cards do not accumulate points:
Some cards do not accumulate GF points. You can check the specific cards by opening the "Discover Wonderful APP homepage → Headphones in the upper right corner → Enter "Card does not accumulate points"".
(Response time: December 4, 2020. For the latest business changes, please refer to the official website of GF.)
Let’s stop here for the introduction of GF credit cards that do not have points.