How to repay with Guangfa Credit Card
Guangfa Credit Card can easily combine UnionPay inter-bank repayment and our bank repayment for credit card repayment. If you need to handle it, you can use Huawei Enjoy 1 (version 1..) to open the "Discover Wonderful" app (version APP(6.1.1), click "My → Quick Repayment → Repayment Settings" and follow the prompts.
1. Guangfa Credit Card is the first domestic standard credit card issued by Guangfa Bank in 1995, and it is also the first profitable credit card. The credit line of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit. The interest-free period for overdraft consumption can be as long as 5 days. You can enjoy the interest-free treatment from the transaction date to the repayment due date as long as you repay in full before the repayment due date stipulated by the bank. The repayment method is flexible, you can pay off in full, or you can choose the minimum repayment amount, enjoy revolving credit and manage your finances more freely.
second, GDB has always adhered to the service concept of "giving you more, seeing further for you", taking customer demand as the guide, and leading the credit card market in China with innovation and market segmentation. By June, 21, the number of cards issued exceeded 1 million, forming a distinctive "wide card issuing model" with the simultaneous development of "quality" and "quantity", and becoming a well-known brand in the credit card field. Guangfa Card has successively won the honor of "Top Ten Most Trustworthy Bank Cards in the World/China", "UnionPay Standard Credit Card Market Development Award" and "Asia-Pacific Best Customer Service Award". In 21, the credit balance of GDB card exceeded RMB 3 billion at the end of the year, and the profit growth rate exceeded 8%. The net profit led the credit card industry, and the new non-performing rate in the whole year was below 1%. The activity rate, average income and average profit of cards were ahead of the peers.
Third, in order to ensure the safety of funds, you can enjoy free SMS reminder for every transaction in 3 yuan, keep abreast of account changes, and feel more at ease with your card. If you need SMS reminder service for all transactions, just call 9558 to open it, and the cost is only 3 yuan every month. Instant messaging will be sent through port 9558 (mobile/telecom users) or 16552288 (Unicom users), and the message content is "The last four xxxxs of your card will spend RMBxxxx at xx on xx day and xx minutes. . ",please pay attention. The bank provides customers with credit card security, and customers do not have to bear the loss of credit card theft within 48 hours before reporting the loss, and the amount of protection is as high as the full amount of credit!
4. Set up a 24-hour round-the-clock service hotline 9558 or (86)2-873129 for GDB customers to provide faster and more intimate services. The online services include: introduction of GDB card business, bill inquiry, customer preferential information, opening of GDB card, adjustment of credit limit, online instant loss reporting, data modification, redemption of integral gifts, etc. All kinds of card needs of customers for GDB card can be properly handled just by dialing the phone.
cross-bank credit card repayment to Guangfa Bank, and the handling fee
1% of the transfer amount will be charged.
when repaying a credit card with a debit card from another bank, it is necessary to pay a certain handling fee to the debit card issuer. This cross-bank transfer is the same as the user remits money from Bank A to the account of Bank B, and Bank A charges the user a certain amount of handling fee, the amount of which is related to the user's transfer amount and whether it is cross-regional, and each bank is not necessarily the same.
Among them, the four major state-owned banks of Workers, Peasants and Construction are charged at 1% of the transfer amount. Except for CCB, the lowest is 2 yuan, and the lowest is 1 yuan, and the highest is 5 yuan. However, the charging standards of different banks are also different according to the repayment amount. It is recommended to call the bank customer service.
Extended information:
Precautions for credit card repayment:
1. The most important thing to pay attention to in credit card repayment is the repayment time. Many people will choose the last repayment date. It is suggested that the card owner should pay it a few days in advance. If the repayment date is not paid, or the repayment is delayed, it may be overdue.
2. Usually, the bank will allow about 3 days for repayment, for fear of using unreliable methods, or encountering software or system maintenance for repayment. Once the repayment date is not returned, the repayment may be overdue again. Of course, this kind of situation is relatively rare, and this is prevention first.
3. Be sure to pay attention to the deduction time of the issuing bank. If the salary does not arrive in time, it may exceed the deduction period, which will lead to overdue. To solve this kind of problem, it is best to ensure that there are sufficient funds in the savings card.