Operating environment: OPPOA83Y, Android system, official website of China Guangfa Bank.
First, Guangfa Smart Card.
Guangfa smart credit card has a unique IQ300 smart consumption refund discount, allowing you to enjoy super-high return rewards. Coupled with IQ300 smart consumption, overdraft withdrawal, installment points discount, double points to cover consumption, endless feedback. With a brand-new Guangfa smart card and IQ300, it can be called wisdom consumption wisdom.
First, the characteristic function.
You can enjoy 2 times points for spending a single time in 300 yuan by swiping your card. (If the single amount is less than RMB 300 yuan, you can still enjoy 1 times points).
You can enjoy 5 times points if you successfully handle the interest-free installment of "Everything" or "Finance".
(1) Anything: Once a single credit card is spent in 500 yuan, just dial 95508 to apply, and you can enjoy interest-free installment payment for up to 24 months, making your financial management easier!
(2) Automatic everything: Just tick the application form or dial 95508 to apply for automatic binding once. In the future, all single purchases exceeding 1000 yuan can be repaid in interest-free installments according to the number of installments you choose, which is suitable for your financial needs!
Second, the cost information
Late payment fee: 5% of the unpaid minimum amount, with a minimum charge of 1 yuan and a maximum charge of 100 yuan;
Overlimit fee: 5% of the highest amount in the bill, with the lowest 10 yuan and the highest 200 yuan;
Cash withdrawal by local peers: 2.5% of the transaction amount, with minimum charge 10 yuan;
Local inter-bank cash withdrawal: 2.5% of the transaction amount, minimum charge 10 yuan;
Cash withdrawal from peers in different places: 2.5% of the transaction amount, with a minimum charge of 10 yuan;
Cross-bank cash withdrawal in different places: 2.5% of the transaction amount, with minimum charge 10 yuan;
Cash withdrawal from overseas UnionPay: 3% of the transaction amount, minimum charge 15 yuan;
Foreign non-UnionPay cash withdrawal: 3% of the transaction amount, with a minimum charge of 3 USD;
Overseas emergency cash withdrawal: 3% of the transaction amount, with a minimum charge of 30 yuan;
Recover the overpaid part of overseas UnionPay: 3% of the transaction amount, with a minimum charge of 15 yuan;
Withdrawal of overseas non-UnionPay overpayment: 3% of the transaction amount, with a minimum charge of $3 and a single currency card of $5;
Card replacement fee: 15 yuan;
Courier fee: 25 yuan;
Handling fee for filling (sending) the statement: the second period is free, and the second period front handling fee is in 3 yuan with dual currency card, and the second period front handling fee is in 2 yuan with single currency card.
Loss reporting fee: single currency card charges 45 yuan;
Obtaining domestic purchase orders: 20 yuan;
Obtaining foreign purchase orders: $5;
Third, the annual fee policy.
The new card is free of annual fee in the first year, and the annual fee is free in the following year after swiping the card for 6 times or more.
IV. Bidding Conditions
1. The age of applying for the master card must be 18~55 years old (foreigners must be 25~60 years old).
2. The supplementary card applicant must be the parent, spouse or child of the main card holder (18 years old or older).
3. Have a stable occupation and income, good credit, and the ability to repay the principal and interest on time.
4. Simple application, no guarantee, no deposit and no cash advance.