Consume on Didi, Starbucks, Meituanxiao, Alipay, WeChat and other channels every month to get corresponding rebates, and exchange the rebates into rebate coupons from the 4th to the end of the month. It will be automatically deducted when you make purchases through Didi, Starbucks, Meituan and other channels.

Guangfa Bank Doli Credit Card

1. Guangfa Bank Doli Credit Card is a gold card in terms of card level. The credit limit is generally between 10,000-50,000 yuan. The specific limit depends on the holder of the credit card. It is determined based on the cardholder’s personal qualifications and financial status. The validity period of the points is the same as that of the card, with an interest-free repayment period of 26-56 days. The annual fee collection policy is 180 yuan/year. The annual fee is waived in the first year. If you swipe the card 6 times a year, the annual fee for the next year will be waived.

2. Card rights:

(1) New household gift

Card holders will receive monthly bonus within 93 days after the card issuance date (including the card issuance date). If you make 2 purchases with points and each purchase is ≥99 yuan, you will have the opportunity to receive a 30 yuan e-voucher (Meituan Takeout/Didi Express).

(2) Rebate discount

If the Guangfa Bank Doli Credit Card meets any of the following conditions in the current month, you can accumulate rebates when you spend on WeChat/Alipay/Starbucks/Didi/Meituan in the next month The GF Doli Platinum Card is limited to accumulating 200 rebates per month, and the GF Doli Gold Card is limited to accumulating 100 rebates per month.

1. The installment principal of a single purchase is ≥3,000 yuan (no limit on the number of installments);

2. The installment principal of a single total bill is ≥3,000 yuan (the number of installments is not limited) ;

3. The accumulated overdraft withdrawals in the month are ≥ 3,000 yuan and have lasted for 10 days (calculated based on the withdrawal date).

Notes on using credit cards:

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is 20 days after the billing date. Or 25 days, if the card is swiped one day after the bill date, the interest-free period will be the longest, if the card is swiped the day before the bill date, the interest-free period will be the shortest.

2. Protect the credit card information

The three most critical information on the credit card: card number, expiration date, and CVV code. These three key information affect the security of your card use. , especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code directly, and keep those three numbers in mind.

3. Only by swiping your card frequently will you be able to avoid annual fees; only by paying your bills on time can you raise your credit limit

Generally, the annual fee can be waived if you swipe your credit card six times. Therefore, you must pay the annual fee, swipe your card more often, and increase your credit card limit. At the same time, pay back on time and maintain a good credit record. This is also a way to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.

4. Use credit card installment with caution

Credit card installment interest is very high. Even if it is interest-free, the installment fee is not cheap. Installment must be used with caution and do not let the bank make a profit. Cents! Of course, except for those who are unable to repay their credit card debt on time under special circumstances, and those who want to increase their credit card limit as soon as possible.