Guangzhou Bank Guangying Card is a platinum credit card product launched by Guangzhou Bank, but different from other credit card products, this credit card does not support credit card consumption, and can only be used for cash withdrawal and transfer, and funds can only be transferred to the debit card account of Guangzhou Bank with the same name. In other words, Guangzhou Bank Guangying Card is a loan card product with a maximum credit line of 300,000 yuan and a term of 3 years.
Guangzhou Bank Guangying Card is mainly a loan product for enterprise operation. To apply for Guangying Card, besides qualified credit information and fixed assets, you also need a guarantor to guarantee it. In addition, like other credit card products, Guangzhou Bank Guangying Card has an annual fee, and the annual fee for the first year is exempted if the amount is below 6,543,800+0.5 million. If the amount exceeds 6,543,800 yuan+0.5 million yuan, the annual fee for the first year will be 500 yuan. When the overdraft principal reaches 2 million in the current year, the annual fee for the following year will be exempted.
Transfer settlement refers to a kind of bank currency settlement method in which money is transferred from the payment account to the collection account through the bank without using cash directly. It is gradually developed with the development of the banking industry. When the settlement amount is large and the space distance is far away, it can be safer and faster to use transfer settlement. In modern society, most commodity transactions and monetary payments are carried out by means of transfer settlement.
2065438+On March 28th, 2009, the requirement of 24-hour receipt was cancelled and real-time receipt was implemented.
Transfer method
There are many ways of transfer settlement, which are mainly divided into two categories: settlement in the same city and settlement in different places. City settlement includes cheque settlement, payment authorization settlement, city collection and acceptance settlement, collection and non-acceptance settlement, limit cheque settlement, etc. Off-site settlement includes off-site collection and acceptance settlement, off-site entrusted collection settlement, exchange settlement, letter of credit settlement and limit settlement.
Handling principle
The bank shall handle the transfer settlement and the unit that handles the transfer settlement in the bank shall follow the principle of clearing the money and goods and safeguarding the legitimate rights and interests of both parties, and the bank shall not advance the payment. In addition, transfer settlement should also follow the relevant provisions of the state.