1. One year is from the date of opening the Guangfa Credit Card to the day of the next year. If you swipe the Guangfa Credit Card 6 times within this year, the annual fee can be waived.

2. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. You can use the credit limit for overdraft consumption and cash withdrawal transactions.

3. 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 payment due date.

4. The repayment method is flexible. You can pay it off in full or choose the minimum repayment amount to enjoy revolving credit and manage your finances more freely.

Guangfa Credit Card Annual Fee Charging Standard:

Guangfa Bank Credit Card RMB Card: The annual fee for the main card is RMB 40/year, and the annual fee for the supplementary card is RMB 30/year. .

Guangfa Bank Credit Card RMB Card Gold Card: The annual fee for the main card is RMB 80 per year, and the annual fee for the supplementary card is RMB 48 per year.

Guangfa Bank Credit Card USD Card: The annual fee for the main card is US$15/year, and the annual fee for the supplementary card is US$12/year.

Guangfa Bank Credit Card USD Gold Card: The annual fee for the main card is US$30/year, and the annual fee for the supplementary card is US$18/year.

Guangfa Bank Credit Card Dual Currency Card: The annual fee for the main card is RMB 90/year, and the annual fee for the supplementary card is RMB 45/year.

Guangfa Bank Credit Card Dual Currency Gold Card: The annual fee for the main card is RMB 260 per year, and the annual fee for the supplementary card is RMB 130 per year.

How to apply for a Guangfa Bank credit card:

Applicants who must be 18-60/65 years old, have a stable job and income, and have good credit standing can apply for a Guangfa Bank credit card. Detailed application materials include proof of identity, employment and financial resources.

1. Online application: Log in to the official website of Guangfa Bank Credit Card/, and then follow the interface prompts to select the city of permanent residence, fill in the Chinese name, name pinyin, ID number, certificate validity period, mobile phone number, verification code, and mobile phone text message Verification code, etc., then check the box to simultaneously activate the GF Credit Card Portal APP "Discover Wonders" and follow the prompts to activate it.

2. Branch application: Bring your ID card, income certificate, etc. to the nearby Guangfa Bank branch, submit a credit card application to the staff, then fill in the form as required and present relevant information to apply for a credit card .

3. Telephone application: Call Guangfa Bank’s 24-hour credit card service hotline 95508, enter the ID number (letters are replaced by * keys, and the input is completed with #), and press 2 to apply for Guangfa Card.

4. SMS application: Edit the SMS "XYK" and send it to 95508 to apply. The bank will contact you to apply for a credit card within 2-5 working days from the date of sending the SMS.