Guangfa Bank DIY Credit Card is a credit card product designed for young and fashionable white-collar workers. The card product is based on the points discount platform and selects three major categories: dining and entertainment, shopping and shopping, and travel. Merchants offer triple points for swiping credit cards to meet your fast-paced work style and simple and independent consumption proposition. The following content is excerpted from Guangfa Bank Credit Card Center.
Three times the points for the merchant type of your choice
You can freely choose your favorite merchant type from the following three merchant types and enjoy triple the points discount.
Catering and entertainment: including various catering and entertainment businesses
Shopping: including department stores, supermarkets, clothing, shoes and bags, etc.
Travel Category: Including air tickets, hotels, vacations, travel and other types of merchants
Remarks: If you only select one category, it is free; if you select more than one category, 29 yuan/year will be deducted for each more than one category Charge fees.
Points can be used to offset fees or freely exchange gifts
Your GF DIY credit card consumption points can not only be redeemed for points gifts, but you can also directly apply for discounts to offset fees and arrears. Every 10,000 points can be used to offset 20 Yuan, the more you accumulate, the more discounts you can get.
Function details:
1. The "Triple Points for Selected Merchant Types" function is currently limited to application when opening the card. Application, modification or cancellation of services will not be accepted after opening the card. Our bank will make adjustments in the subsequent business development, please pay attention to our website or mobile phone SMS notifications.
2. The specific merchant types of "Triple Points for Selected Merchant Types" are: (The number in brackets is the merchant category code, that is, MCC) Catering and entertainment categories include dining venues and restaurants (5812), and fast food restaurants (5814 ), drinking establishments (bars, pubs, nightclubs, cocktail halls, discotheques) (5813), dance halls (7911), large game consoles and game venues (7994), amusement parks, circuses, carnivals, divination (7996), Theater production (excluding movies), performances and ticketing (7922), cinemas (7832); shopping categories include large warehouse supermarkets (5411), large warehouse household goods stores (5200), department stores (5311), electronics Equipment, home appliance stores (5732), sporting goods stores (5941), cosmetics stores (5977), beauty and barber shops (7230), health and beauty SPA (7298); travel category includes accommodation services (hotels, hotels, motels, Resorts, etc.) (7011), sports and entertainment campsites (7032), passenger rail transport (4112), airlines (4511), travel agencies (4722), airport services (4582), ship and cruise line services (4411), car rentals (7512), Tourism and Exhibition (7991), Direct Selling of Tourism-related Services (5962).
3. Consumption points must be redeemed at a minimum of 10,000 points to offset the outstanding balance. Applications will not be accepted when the card points are less than 10,000 points. Every 10,000 points can be deducted from RMB 20 of consumer debt. Each time you apply for a discount, the points must be an integral multiple of 10,000 points, and the amount of discount cannot exceed the accumulated balance of the DIY card on that day.
4. The GF DIY Credit Card Gold Card can enjoy multiple points with a maximum monthly consumption of 200,000; the regular card can enjoy multiple points with a maximum monthly consumption of 100,000.
5. If you are delayed or in a risky situation in a certain billing month, you will not be able to obtain multiple points discounts for all transactions in that billing month.
6. GF DIY Credit Card’s bonus points for the selected merchant type will be given away in the month following the transaction.
7. If the GF DIY credit card you hold is an IC chip card, it supports credit card transactions and electronic cash transactions. The balance of the electronic cash account is initially 0, and can be loaded and recharged through the credit card account of this card. If you use GF DIY card electronic cash quick pass transaction, the transaction will not be counted as points and you will not enjoy multiple points.
8. If the GF DIY credit card you hold is an IC chip card, it can support electronic cash transactions at merchants with the (UnionPay) or (Quick Pass) logo. You can insert the card or click Completed by card.
9. If your credit card is lost, you can call our customer service hotline 95508 to report the loss of the credit card. Electronic cash accounts cannot be reported as lost.
10. If the GF DIY credit card you hold is an IC chip card, when updating or replacing it, you need to transfer the electronic cash balance of the old card to the new card at the counter, and the old card will be taken back by our bank destroy. The bank will transfer the electronic cash account balance to the new card's credit card account within 30 calendar days after acceptance. The amount transferred shall be based on the amount recorded in the bank system. If not returned, the electronic cash balance of the old card can continue to be used until the expiration of the card's validity, and no transfer is allowed during this period.
11. If the GF DIY credit card you hold is an IC chip card, the cancellation of the electronic cash account must be handled at our bank branch, and the card will be recovered and destroyed by our bank.
12. Within the scope permitted by law, China Guangfa Bank may adjust the product and activity details according to the actual situation and in accordance with national laws and regulations.