There is no monthly fee, but there is an annual fee. The annual fee is waived in the first year, and the annual fee is waived for the next year if you use it 6 times a year.

How to apply for a credit card online: I log in to the official website of China Guangfa Bank Credit Card and fill in the application information online.

1. Application conditions

1. Any individual who has full capacity for civil conduct, has a legal and stable source of income and has good credit can apply to the card issuing bank with his or her valid identity document and relevant information. The organization applies for a personal card.

When an individual applies for a credit card, in addition to one main card, he or she can also apply for no more than two supplementary cards for other natural persons with full capacity for civil conduct. The primary cardholder can apply to cancel the supplementary card or stop using the supplementary card at any time.

The supplementary cardholder and the principal cardholder use the same credit limit; all transaction amounts of the supplementary card and corresponding interest, fees, etc. are credited to the principal card account, and the principal cardholder Bear full responsibility for the repayment of debts incurred under the main card and supplementary cards; the supplementary cardholder with full capacity for civil conduct and the main cardholder shall be jointly and severally liable for the repayment of debts incurred under the main card and supplementary cards. Supplementary cardholders with limited capacity for civil conduct are only responsible for repaying debts incurred by the supplementary card they hold. Supplementary cardholders may apply to cancel the supplementary card after paying off all debts on the supplementary card.

2. Information required to apply for a credit card

1. Identity proof information: copy of resident ID card or military officer's certificate; compatriots from Hong Kong and Macao must provide mainland travel passes and a copy of the residence permit for more than one year; foreigners only need to provide a copy of their passport and residence permit for more than one year.

2. Work and income certification materials: salary certificate, copy of social security (paid for more than half a year).

3. Supplementary information for Guangfa Bank credit card application: academic qualifications, professional titles, professional qualification certificates, self-owned real estate certificate, self-owned car driving license, telephone number, water, electricity, and gas of the current place of residence in the past three months Any original document of payment, etc.

Credit Card Time: Generally, it takes about 30 days from application to getting the card.

After submitting the credit card application information, it will first be submitted to the credit card center review department of the issuing bank. The review department will score the applicant based on the applicant's personal situation. This process usually takes 10 working days. If the review is passed, the card-issuing bank will make a card for the cardholder within two working days, and then send it by registered mail or express delivery. It usually takes about 15 days to send by credit card registered letter, and express delivery usually takes about 5 days.

However, for those cardholders who have already applied for a credit card and submitted more complete information, the bank's approval will be much faster. Generally, the card will be issued in about 3 days, so how long it usually takes for a credit card to be processed depends on the application. It depends on the person's personal situation and the approval speed of the card-issuing bank. Usually the results will be available in about a month.