The repayment of Guangfa Credit Card can be deferred for several days
The repayment of Guangfa Credit Card can be deferred for 3 days. This is a time-limited service provided by Guangfa Bank Credit Card, that is, the repayment grace period is 3 days. Normally, as long as the repayment is made within the grace period, it is not overdue and is considered to be repaid on time. If you repay after the grace period, interest will start to be charged based on 50,000% of the amount owed.
Guangfa Credit Card is the first domestic standard credit card issued by China Guangfa Bank in 1995, and it is also the first credit card to achieve profitability. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. The credit limit can be used for overdraft consumption and cash withdrawal transactions.
The interest-free period for overdraft consumption can last up to 50 days. As long as you repay in full before the repayment due date specified by the bank, you can enjoy the interest-free period from the date of transaction to the date of repayment. Interest-free treatment until the maturity date. The repayment method is flexible, you can pay it off in full, or choose the minimum repayment amount, enjoy revolving credit, and manage your finances more freely.
Guangfa Card has always adhered to the service concept of "giving you more and seeing further", guided by customer needs, and leading the Chinese credit card market with innovation and market segmentation. As of June 2010, the number of cards issued exceeded 10 million, forming a distinctive "GF card model" with simultaneous development of "quality" and "quantity", and becoming a well-known brand in the credit card field. Guangfa Card has successively won honors such as "Top Ten Most Trustworthy Bank Cards in the World/China", "UnionPay Standard Credit Card Market Development Award", and "Asia-Pacific Best Customer Service Award". At the end of 2010, the credit balance of Guangfa Card exceeded RMB 30 billion, the profit growth rate exceeded 80%, the net profit led the credit card industry, the annual new bad rate was less than 1, and the activity rate, average card income and average card profit were all ahead of the industry.
No annual fee policy: no annual fee in the first year, and six swipes to waive the next annual fee. The annual fee for each card of MasterCard Titanium Card is 480 yuan, and an annual fee will be charged in the first year. Points can be accumulated every year from the first year onwards. If you spend over 80,000 yuan with your card, you will be exempted from the annual fee for the next half year on a rolling basis
Cash advance limit: 50% of the credit limit
Interest-free period: 20 to 50 days
Consumption verification method: signature signature password
Revolving credit interest (daily interest): 0.05 interest per day, minimum fee is 1 yuan
Consumption SMS notification fee: more than 300 yuan Free notification. If you spend less than 300 yuan, you need to activate the SMS notification function. The fee is 3 yuan per month
Is there a grace period for Guangfa Credit Card?
If the cardholder applies in advance and is approved by China Guangfa Bank, there will be a grace period.
According to bank regulations, once the cardholder fails to repay the corresponding amount after the final repayment period, the cardholder needs to pay corresponding interest and late fees, and may be entered into a bad credit record by the bank.
However, in the actual operation process, there are many non-subjective reasons that are beyond your control. These non-subjective reasons create the credit card grace period. After the above situation occurs, the cardholder can call the credit card center to explain the situation, and the customer service specialist of the credit card center will reduce or reduce the relevant fees for you based on the actual situation.
The grace period of credit cards is generally 2 to 3 days. Please pay special attention to it and try to repay as early as possible to avoid all kinds of troubles caused by late repayment.
Extended information:
Debt collection and offsetting
1. The bank has the right to contact you by phone, letter, SMS, WeChat, email, or face-to-face interview Either by itself or by entrusting a third party to directly collect debts from the customer and the guarantor through judicial channels or other means, the customer may request the bank's contacts, close relatives, and work units to report the debt collection matters on their behalf.
In this case, the bank has the right to provide necessary customer identity information and other personal financial information and debt account information to the guarantor, contact person, relatives and friends, work unit and other persons willing to compensate.
2. Banks have the right to announce collections through the news media, publish the list of customers with bad behavior to the public or relevant parties, and have the right to apply to the people to include customers who have not fulfilled their judgment obligations as defaulters. The list shall be announced to the public by the people. The people may publish the list of persons subject to enforcement for breach of trust through newspapers, radio, television, the Internet, bulletin boards and other means.