1. One year is from the date of opening the Guangfa Credit Card to the day of the next year. If you swipe the Guangfa Credit Card 6 times within this year, the annual fee can be waived.

2. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. You can use the credit limit for overdraft consumption and cash withdrawal transactions.

3. The interest-free period for overdraft consumption can last up to 50 days. As long as you repay in full before the repayment due date specified by the bank, you can enjoy the interest-free period from the date of transaction to the date of repayment. Interest-free treatment until the payment due date.

4. The repayment method is flexible. You can pay it off in full or choose the minimum repayment amount to enjoy revolving credit and manage your finances more freely. Extended information

Minimum repayment:

1. The annual fee for the main card: the annual fee for the regular UnionPay card is 40 yuan, and the annual fee for the gold UnionPay card is 80 yuan.

2. No annual fee policy: no annual fee in the first year, and no annual fee for the next year if you swipe the card six times. The annual fee for the MasterCard Titanium Card is 480 yuan, and an annual fee will be charged in the first year. If you spend 80,000 yuan or more with your card based on points, you will be exempted from the annual fee for the next half year on a rolling basis.

3. Cash advance limit: 50% of the credit limit.

4. Interest-free period: 20 days to 50 days.

5. Consumption verification method: signature signature + password.

6. Revolving credit interest (daily interest): 0.05% interest is charged every day, with a minimum charge of 1 yuan.

7. Consumption text message notification fee: free notification for purchases above 300 yuan, and the SMS notification function is required for purchases below 300 yuan. The fee is 3 yuan per month.

Baidu Encyclopedia-Guangfa Credit Card