How to withdraw cash with Metro Guangfa Card?
There are three ways to withdraw cash with Metro Guangfa Card: 1. ATM self-service machine; 2. Bank counter; 3. Mobile banking.
ATM self-service machines: Users can withdraw cash up to the withdrawal limit at domestic ATMs with the UnionPay logo, plus overdraft withdrawal fees and interest.
Bank counter: Users can bring their credit cards to Guangfa Bank outlets to apply for cash advance services.
Mobile Banking: Cardholders download "Discover Wonderful APP 5.0" and log in, click My - I Want to Borrow Money - Palm Withdrawal, follow the page prompts to enter the payment password, and the withdrawal can be successful, and the money will be received in real time .
Guangfa Bank Credit Card Requirements
Guangfa Credit Card Application Requirements:
1. Be at least 18 years old and less than or equal to 65 years old.
2. There is a branch of Guangfa Bank in the place of work or permanent residence.
3. Residents with registered residence in mainland China and foreigners will not accept incoming items (except Hong Kong, Macao, Taiwan and New Zealand). Cards can be issued to people from Hong Kong, Macao, Taiwan and New Zealand who meet certain conditions (the details will be confirmed after credit review).
4. The annual income reaches the local average level (pre-tax income).
5. High school diploma or below is required to have worked in this unit for one year. Other academic qualifications are not required.
Requirements for the use of Guangfa Credit Card:
1. Cardholders need to keep their credit cards properly and use them correctly, otherwise they will bear the consequences themselves.
2. Credit cards are not allowed to be lent to others. If losses are caused, the cardholder must bear the consequences.
3. Cardholders are not allowed to use credit cards to cash out, otherwise they will bear administrative liability.
4. Cardholders need to repay on time, otherwise large penalty interest will be incurred and the cardholder’s personal credit will be affected.
5. Cardholders can use their credit cards to make purchases at specially appointed units.
To apply for a Guangfa Credit Card, you need to provide a credit card application form and valid identity documents to Guangfa Bank. If the applicant fails to apply for a Guangfa Bank credit card, Guangfa Bank will not return the applicant's application materials, but Guangfa Bank will destroy the application materials regularly. [img]
The scope of use of Guangdong Development Bank Credit Card (Guangfa Card). Can it be used outside the province?
Guangdong Development Bank credit card (Guangfa Card) is available outside the province:
UnionPay card is available nationwide and available at some merchants in Hong Kong, Macao and Taiwan;
VISA and MasterCard dual currency cards , available when traveling abroad, you need to apply for a dual-currency card of the corresponding country, such as US dollars, euros, Japanese yen, etc.
Guangfa Bank Credit Card Application Conditions
1. Application Conditions
1. Anyone who has full capacity for civil conduct, has a legitimate and stable source of income and has good credit standing Individuals can apply for a personal card from the card issuer with their valid identity documents and relevant information.
In addition to one main card, an individual may 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: a copy of the resident ID card or military officer's ID card; Hong Kong and Macao compatriots must provide a copy of the Mainland Travel Permit and proof of residence for more than one year For foreigners, just 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. Supporting 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.
The 3 most valuable entry-level platinum cards for novice credit card players!
Old friends who play card games all know that in the field of credit cards, the name "Si Sanbai" is widely circulated. Today, the application thresholds for Pudong Development AE white and classic white among the "three whites of silk" have been raised. Especially for Pudong AE white, the threshold has been raised sharply after the "warm upgrade", which is really far from "silk". .
Playing cards can be divided into two major streams, one is the quota stream, and the other is the rights stream (including various VIP rights and points rights). It seems that there are not many people who are purely from a certain school, and most of them are a combination of both. But no matter what genre, they all pursue platinum cards, because only platinum cards can have a high credit limit and good additional benefits.
For newcomers who are new to the card game, we introduce several entry-level platinum cards.
1. Bank of Communications Premium Platinum Card
This is a new platinum card launched by Bank of Communications in 2018. Once launched, it quickly gained popularity among customers. Because it is positioned as "young people's first credit card", the application threshold is relatively low. The number of cards issued exceeded 2 million within 8 months of its launch, which shows how popular this card is.
Bank of Communications Premium Platinum Credit Card is issued using the "UnionPay MasterCard" card package model, that is, UnionPay cards focus on domestic consumption, and MasterCard focuses on overseas consumption. There is no annual fee for the UnionPay card in the first year, and there is no annual fee for the following year if you swipe it 6 times. The MasterCard version has no annual fee for life, so the cost of holding the card is almost zero.
Main benefits: Overseas airport VIP lounge service, provided by Longteng Travel, available for 3 points/year.
Points acquisition and use:
1 yuan spent = 1 point, online payment supports Alipay and WeChat to accumulate points;
On your birthday, spend 1 yuan in designated catering and entertainment categories Merchants can enjoy 5 times the points for consumption, with a maximum of 100,000 points for the day;
2 times the points for US dollar consumption and 3 times the points for overseas consumption;
Highest overseas offline consumption on overseas super red days You can earn 20 times the points on the same day, with a maximum of 100,000 points, and a maximum of 500,000 points for designated destinations;
BoCom points can be redeemed for Air China, China Eastern Airlines, China Southern Airlines, Hainan Airlines and Asia Miles at a ratio of 18:1, 500 kilometers/ The mileage redemption requirement is a minimum of 9,000 points.
Bank of Communications also offers many preferential activities, the most famous of which are the Redtest Friday and annual large-scale credit card swiping events every week. Among them, the most popular Friday activities include Starbucks’ 30 credit card credits for purchases over 60, FamilyMart’s 15 credit card credits for purchases over 30, dining coupons, and 50% discount at gas supermarkets.
In addition, Youyi Platinum Card also has Kindle version, Magic City version, etc. Among them, the Magic City Edition Youyi Platinum Card can enjoy 1 cent for taking the subway (in the first year for new households) or 50% off for long-term subway rides (only in Shanghai).
If you make 8 designated purchases in the month, you will get the most popular 5-point benefit once; if you make 15 designated purchases in the month, you will get the most popular 5-point benefit twice. You can use 5 points to exchange for 15 yuan of Alipay/WeChat card credit; or 2 times the points this month, with a maximum limit of 20,000 points, which will be credited before the end of the next month.
2. Guangfa Bank Zhenshang Platinum Card
The Guangfa Zhenshang Platinum Card is affectionately called "High-speed Rail White" by experienced drivers because this card is mainly for VIPs at high-speed rail stations. Lounge access.
The Zhenshang Platinum Card is a basic platinum card in the Guangfa Credit Card System, with an annual fee of 480 yuan/year. If you make 3 transactions of 188 yuan or more within 90 days after the card is approved, the first-year annual fee will be waived. Swipe the card 12 times on a rolling basis to waive the annual fee for the following year.
The main benefit is the high-speed rail VIP room rights. Zhenshangbai's high-speed rail VIP rooms can be divided into two categories, one is the VIP lounge named by GF (now in cooperation with Yuetu Travel), and the other is the VIP room provided by Longteng.
Currently, the high-speed rail stations covered by GF-branded high-speed rail VIP rooms are: Shanghai Hongqiao Station, Guangzhou South Station, Shenyang North Station, Dalian North Station, Ningbo Station, Shenzhen North Station, Changsha South Station, Hangzhou East Railway Station, Beijing South Railway Station, Wuhan Railway Station, Harbin West Railway Station, Zhengzhou Railway Station, Chengdu East Railway Station, Nanjing South Railway Station, Tianjin Railway Station, Suzhou Railway Station, Fuzhou Railway Station, Wuxi East Railway Station, Jinan West Railway Station, Chongqing North Railway Station, Xi'an North Railway Station and Kunming South Railway Station. The picture below shows the VIP rooms at high-speed rail stations named by GF (Zhengzhou East Station on the left, Wuhan Station on the right).
There are also some high-speed rail stations that currently do not have lounges named by GF. However, according to the actual situation of the high-speed rail station, you can use the Longteng Card presented by GF to enter the high-speed rail lounges provided by Longteng Travel. For example, at Nanchang West Station, there is a VIP room provided by Youlongteng Express. The Dragon Card issued by Zhenshangbai gives you 2 Dragon Points every year, which can be used to visit high-speed rail VIP rooms four times.
Points acquisition and use: 1 yuan spent with a card = 1 point, points are earned when paying online (WeChat, Alipay, JD.com, UnionPay); double points for purchases in the birthday month; 3x points for business travel or overseas purchases.
Guangfa Zhenshangbai can be redeemed for Air China, China Eastern Airlines, China Southern Airlines, and Asia Miles miles at a ratio of 25:1, starting from 500 kilometers/mile, that is, a minimum of 12,500 points is required, and the upper limit is 30,000 miles/year.
3. Industrial Bank Aviation Platinum Card Elite Edition
Industrial Bank’s credit card may be the most well-known for its Platinum Card series with a rigid annual fee of 900 yuan. It's called "Xingyoubai" for short. However, due to the rigid annual fee of 900 yuan/year, as a first-time player, you may be discouraged. But today, the protagonist is not him, but her - Industrial Airlines co-branded card Platinum Card Elite Edition.
Industrial Bank’s Platinum Card (Elite Edition) can waive the first-year annual fee of RMB 500 if you spend RMB 2,000 within 60 days after being approved for the card. The annual fee for the next year will be waived if you spend RMB 30,000 in points-based transaction volume. Therefore, the holding cost is almost zero.
The accumulated points accumulated by swiping the card will be automatically converted into corresponding airline miles according to the proportion. Taking the China Southern Airlines co-branded platinum card elite version as an example, the points will be automatically converted into the China Southern Airlines account at the ratio of 12 points = 1 China Southern Airlines mile in that month. If you choose the elite version of the China Eastern Airlines co-branded platinum card, the points will be automatically converted into your China Eastern Airlines account at the ratio of 10 points = 1 China Eastern Airlines mileage.
According to the current policy, the annual accumulation limit is 600,000 points, that is, 50,000 China Southern Airlines miles/60,000 China Eastern Airlines cap.
Card benefits: The Platinum Card Elite Edition also provides airport VIP services twice a year, which can only be used by the person. Platinum Card Elite Edition can automatically become a Supreme Gold Card member and enjoy the discount of free daily rent for any car model, which can only be enjoyed once a year; after the car rental is successfully settled, you can receive a 100 yuan electronic coupon (limited to one for the year).
Warm reminder: The Industrial Bank aviation co-branded card does not count points for purchases at jewelry merchants (5094) and home appliance merchants (5722), which means that miles cannot be accumulated. Therefore, when buying jewelry for your wife or purchasing electrical appliances for your home, please do not use the Industrial Airline co-branded card!
Although the benefits of these three platinum cards are slightly worse than the previously recommended platinum cards, the advantages are that the application threshold is lower and the holding cost is almost zero. This is also the original intention of writing this short article. It is mainly for friends who are new to the card game to introduce some platinum cards that have certain practical rights and can be held at low threshold and zero cost. Starting from your own needs, apply for a credit card that suits you, and make good use of the additional benefits to slightly improve your quality of life. This is also the original intention of playing cards, isn't it?
How to use Guangfa Credit Card on the subway? Is it safe?
Have you ever thought about this scenario? When taking the subway, you don’t have to worry even if your bus card has no money. You can just take out a credit card and wave it at the gate to enter the subway and ride. ? Some friends may say that it will be possible in the future, but I have to say that in cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Ningbo and other cities, there is already this convenient service of swiping a credit card to take the subway, but the premise is that you must have a Guangfa Bank card credit card. Let me introduce to you how to use Guangfa Credit Card to pay for subway payments and how safe it is.
How to use Guangfa Credit Card for subway payment?
If you want to use Guangfa Credit Card for subway payment, you must first bind a GF Credit Card to your GF Pay, SamsungPay, HuaweiPay or MiPay, and then open it With the NFC function of your mobile phone, you have to swipe your card at the gate with the UnionPay logo when entering or exiting the station.
When entering the subway station, find the gate with the UnionPay logo, put your mobile phone close to the card reading area of ??the gate, enter the fingerprint verification on the pop-up bank card swiping interface, and hear a beep. You can swipe the card successfully, and no fees will be deducted at this time.
Then when you get off the subway, take out your mobile phone and swipe your card again at the gate with the UnionPay logo. The gate will quickly calculate your travel distance and fee, and complete the settlement while ensuring safety. After the settlement is successful, You can exit the station.
Is it safe to use Guangfa Credit Card on the subway?
When using Guangfa Credit Card on the subway, you mainly use the mobile Pay function. There is a special chip in the mobile Pay device that will store a unique encryption for each Device account.
When performing payment operations, the transaction is carried out through the device account or the dynamic anti-counterfeiting code for each transaction, and the real account information will not be leaked, which can ensure that the cardholder information is used for card payment. The risk of leakage will not easily occur, making transactions safer and more reliable.
The Guangfa Bank Colorful Travel Card is real or fake
It’s real.
For office workers working hard in a foreign country, the daily commuting cost is also a considerable expense. If you include rent and food expenses, there won’t be much left over from a month’s salary. However, if you have a Guangfa UnionPay colorful travel card, you can get transportation subsidies every month, which can save a lot of money.
China Guangfa Bank has launched the Colorful Travel Credit Card. After binding the Colorful Travel Card to the UnionPay QuickPass APP, you can use the UnionPay QuickPass APP bus code, mobile QuickPass or IC card QuickPass to take the subway or bus. Enjoy free spending, up to a maximum of 600 yuan throughout the year.
This ends the introduction of GF Credit Card Metro and GF Credit Card Metro Card. Have you found the information you need?