What are the credit cards of Guangfa Bank? What's the amount?
*** Five categories:
The Supreme Elite-Platinum Card Series. Such as: Guangfa Zhenshang Platinum Credit Card, Guangfa Zhenxiang Platinum Credit Card, Guangfa Ctrip Platinum Credit Card and Guangfa China Eastern Platinum Credit Card;
excellent business travel-business travel series. Such as: Guangfa Ctrip Credit Card, Guangfa China Southern Airlines Pearl Credit Card, Guangfa China Eastern Airlines Credit Card, Guangfa Shenzhen Airlines Zunpeng Credit Card and Phoenix Zhiyin Air China Guangfa Credit Card;
car lovers-owner card series. Such as: Guangfa Easy Car Co-branded Card, Guangfa Owner Credit Card, Guangfa Yuetong Card, Guangfa Youyoutong Credit Card and Guangfa Sutong Card;
urban white-collar workers-white-collar series. Such as: Guangfa DIY Credit Card, Guangfa Vitality Credit Card, Guangfa Happy Credit Card, Guangfa Hope Credit Card, Guangfa Love Pet Credit Card;
co-branded credit card _ co-branded series. Such as: Guangfa Taobao Credit Card, Guangfa Ctrip Credit Card, Guangfa Vipshop Credit Card, Guangfa Fanke Credit Card and Guangfa Unicom Credit Card.
amount
the amount of a credit card has little to do with the types of cards handled, but is mainly related to the financial ability and credit status of the card holder. At present, the credit card limit of Guangfa Bank generally ranges from 3-5 yuan. Generally, the credit card of Guangfa Bank is between 3, and 1, yuan, the credit card of Guangfa Bank is between 1, and 5, yuan, and the credit card of Guangfa Bank is above 5, yuan.
guangfa bank approves the maximum amount that can be used for overdraft consumption and cash withdrawal according to the cardholder's income and credit standing, and the cardholder can recycle the card within the validity period.
Advantages and disadvantages of Guangfa Bank's credit card:
Advantages:
Free of annual fee for the first year, and free of annual fee for the next year if swiped six times;
the overpayment is recovered free of charge;
only 3 yuan is needed to make up the statement;
send an insurance copy;
There is a discount for getting a card
Disadvantages:
SMS service fee needs 3 yuan;
the loss reporting fee is high in 85 yuan;
few outlets.
What are the differences between the gold card of Guangfa Credit Card and the ordinary card?
Different card types are divided into different card grades, which are generally divided into ordinary card, gold card, platinum card, diamond card, etc. Different grades of cards have different charging standards and different preferential rights. Do you know what's the difference between Guangfa Credit Card Gold Card and Puka Card?
One of the differences: different colors
Each credit card has different patterns and styles, but this difference is more obvious on ordinary cards, and most bank gold cards use gold as the main color element to highlight the difference. Puka: mainly silver, gold card: mainly gold.
The second difference: different credit lines
There is a great difference in credit lines between the credit card gold card and the general card of Guangfa Bank. The credit line of the general card of credit card is generally 3, to 1, yuan, while the credit line of the credit card gold card is usually 1, to 5, yuan, and the gold card is much higher than the general card.
The third difference: the annual fee is different
Because the amount of the gold card is higher, the annual fee of the credit card gold card is much higher than that of the ordinary card. Take the Ctrip co-branded card of Guangfa Bank as an example, the annual fee of the gold card is 8 yuan, and the annual fee of the ordinary card is only 4 yuan.
The fourth difference: different offers
Generally speaking, Guangfa Credit Card can apply to the bank for upgrading the gold card after the card expires for 6 months as long as the cardholder keeps a good habit of using the card, always pays back on time and has a good credit record.
, you can handle all kinds of credit cards quickly and safely.
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.
which card is the most practical for Guangfa Credit Card?
There are many kinds of cards in Guangfa Bank, so users can choose according to their own situation.
The types and characteristics of the credit cards of Guangfa Bank are as follows:
(1) The vitality credit card of Guangfa Bank: the discount is mainly reflected in sports.
(2) Yintai Credit Card of Guangfa Bank: This card is mainly for fashion elites.
(3) China Guangfa Bank's Zhongjing Huitong Credit Card: 2% cash will be returned by swiping the card to refuel.
(4) Guangfa Bank Taobao Credit Card: It has unique features such as "credit card consumption return" and "continuous installment return".
(5) China guangfa bank Ctrip credit card: issued to meet the needs of business travelers.
(6) Smart Credit Card of Guangfa Bank: unique IQ3 smart consumption refund discount.
credit card refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.
Main features of credit card:
1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;
2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;
3. Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and meet social needs.
In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant
The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card.
to apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.
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, and the rights and interests of new households with free ETC electronic tags up to 15% cashback.
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.
What kind of card will it be easier for Guangfa Bank to apply for a credit card?
Guangfa Zhenqing Credit Card; Guangfa owner credit card; It is easier to distribute sharp credit cards.
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. The important thing is 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 with general qualifications, a strong economic strength, or a large card with 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 an easy-to-apply GDB card. It has a car under its name, meets the requirements of age, has a stable job and income, and can be approved quickly through online approval. 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 can't apply unless they cancel all the GDB cards under their names and apply for cards one year later.
It's still relatively easy to apply for the credit card of Guangfa Bank. There are many kinds of cards, each of which is relatively easy to apply for, so you can apply through online banking, but only if you have a job, preferably in a state-owned enterprise or a central enterprise, so it's easy to pass. At the same time, it is better to apply for a credit card at the age of under 55, and it is not easy to apply at 8 o'clock when you are over 55. There are also credit card applications. If your credit limit is high, the credit limit will be high for you. If your credit limit is on the spot, you should only give you the credit limit in 1 yuan according to your actual situation.
that's enough for the introduction of the types of CGB credit cards.