Generally speaking, the credit card of Guangfa Bank is still very reliable. We can see that it is very reliable mainly from the aspects of bank strength, credit card quota, preferential rights and interests, repayment grace period and so on.

1. Bank strength: Guangfa Bank is a well-known joint-stock commercial bank in China. It was established with the approval of the People's Bank of the State Council and China. It has launched many credit card products for different customers.

2. Credit card limit: Generally, the limit of Guangfa ordinary card is below 654.38+0,000 yuan, the limit of Guangfa gold card is between 654.38+0,000-50,000 yuan, and the limit of Guangfa platinum card is usually above 50,000 yuan. Generally speaking, the limit is ok, but due to our different credit conditions, the specific limit is subject to reality.

3. Privilege: There are many credit card preferential activities in Guangfa Bank, such as giving gifts for repayment, giving gifts to the whole people by punching cards, and giving 100 yuan mall coupons to Sky E City activation, with 3.6 billion points per week. In addition, the annual fee is generally free in the first year and free in the second year.

4. Repayment grace period: This is the largest credit card slot of Guangfa Bank. The general grace period for repayment of other credit cards is 3 days, while that of Guangfa Bank is only one day, only once a year. If you forget to repay the loan because of some circumstances, you must call to apply. If you miss it, you will incur a penalty interest. Moreover, the tolerance of the issuing bank is not 10, but 9.99, which cannot be higher than 10.

Through the above analysis and reaction, we can see that Guangfa Bank is very reliable.

5. As the ancestor of "real credit card" in China, Guangfa has a full range of credit cards, and nearly 100 kinds of credit can be redeemed. Guangfa's low-end cards have blossomed everywhere, but high-end cards have no famous achievements. I feel that Citigroup has led me astray and my relatives are useless. From 200 16, my father Guo changed his hand, and Guangfa obviously accelerated the development and promotion of the new card.

6. The characteristics of Guangfa.

(1) Easy to get off. Lao Wang next door likes to persuade people to give sugar first, and then give it to you for XX. It is easy to distribute cards widely. After all, people like colorful flags fluttering.

(2) It is easy to raise the amount. It is first offered by new customers for half a year, then by extremely high-quality customers once every three months, and once every six months by high-quality customers, and the amount is greatly raised. After the goose belly breaks through 10w, the amount will be reduced to 15%-20% each time, and the average card can be broken by 200,000. Sometimes the withdrawal amount needs to be checked manually, and it may be checked to see if there is any credit problem. However, it will basically pass.

(3) Temporary toxicity. If February 1 is fixed and May 1 is expected to be fixed, then the temporary goose belly of the card must expire before May 1.

(4) The quota is acceptable. The credit card limit is high or low, and it will not be killed by a sap because it has no financial connection with Guangfa. You will refer to your credit information to match the limit.

(5) Risk control can make do. All along, Guangfa's risk control is relatively loose, and it is easy to raise the amount, which is very popular. Some time ago, Guangfa introduced third-party data for risk screening, and some fund parties and wool parties were shot on the spot. That's understandable. Generally speaking, Guangfa is still relatively friendly at present.

How about Guangfa Credit Card? Is it useful?

The record time of Guangfa Credit Card repayment is a big pit! I was almost cheated two days ago, because many repayment methods of Guangfa are paid on the first day and recorded on the second day, and overdue is counted according to the recording time. If the repayment is made on the last repayment date, it is likely to be overdue. The arrival time of several repayment methods is calculated:

1. Alipay repayment and Guangfa Debit Card are directly transferred to Guangfa Credit Card, and Guangfa Debit Card is debited by Guangfa Credit Card. The funds will be credited to the credit card before 22:00, and then credited to the credit card on the same day. After Alipay initiates repayment, the funds may not arrive immediately, subject to Alipay's instructions.

Two. Debit cards from other banks are directly transferred to Guangfa Credit Card, and the funds will be credited on the day of receipt before 20:30, and then on the day of receipt.

Three. Debit cards of other banks are debited with Guangfa Credit Card, and the next day after the debit is initiated is recorded. After that, the debit is not allowed.

It's hard to use. I didn't inform you when I was near the repayment date, and then I silently deducted money after the repayment date, only informing the repayment date, so I repaid immediately. After the deadline, I prevented the automatic repayment from being activated again. After the money in the bound bank card was automatically transferred to Yu 'ebao, the repayment amount was insufficient, which led to the failure of deduction. I still silently deducted the penalty.

I'll let you know after the repayment. If I hadn't checked the accounts, I wouldn't have found that I was deducted from the liquidated damages, and it was directly mixed in my consumption records, which was clearly intentional.

How about the credit card of Guangfa Bank?

It's good. The credit cards of Guangfa Bank are divided into three grades: ordinary card, gold card and platinum card. Depending on the card that the applicant applies for, the amount that can be obtained is different. Generally, the amount of ordinary cards is between 1000- 10000 yuan, the amount of gold cards is between 654.38+0000-50000 yuan, and the amount of platinum cards is more than 50000 yuan. The longest interest-free period of Guangfa Bank's credit card is 56 days. Cardholders can get double points for spending in the birthday month and enjoy a 8.8% discount when redeeming gifts.

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1. Is Guangfa Bank a state-owned enterprise or a private enterprise?

Guangfa Bank is a joint-stock bank, not a state-owned enterprise or a private enterprise. Its shareholders include CITIGROUPINC, IBMCREDITLLC, CITIC Trust and Investment Co., Ltd., State Grid Corporation, Shenzhen Tonggan Investment Co., Ltd., etc. Founded on July 8, 1988,/kloc-0 was registered at No.713, Dongfeng East Road, Yuexiu District, Guangzhou, formerly known as Guangdong Development Bank Co., Ltd.

2. What is the annual fee of Guangfa Bank Card?

The annual fee of Guangfa Bank Card depends on the type and level of the card. There is no annual fee for the savings card of Guangfa Bank. If the average daily balance of the account is less than 500 yuan, a small account management fee will be charged. There is an annual fee for the credit card of Guangfa Bank, including the annual fee for the main card of Puka, 40 yuan, and the supplementary card, 30 yuan; The annual fee of the main gold card is 80 yuan, and the supplementary card is 48 yuan. In addition, the gold card and the Puka card are exempt from the annual fee in the first year, and the annual fee in the following year can be exempted by swiping the card six times a year.

3. How to lift the frozen Guangfa Bank Card?

① If you enter the wrong withdrawal password for three consecutive times, you can bring your bank card and ID card to the business hall of Guangfa Bank to unfreeze.

② If the banking system fails, bring your ID card and bank card to the business hall to unfreeze or call customer service.

(3) Due to third-party reasons, it is necessary to handle cases according to law, and bank cards need to be frozen in some special circumstances. Can't be thawed before the case is over.

④ Long-term non-use of bank cards led to the freezing of counter business. I also need to go to the counter with a valid ID card and bank card.

4. Business hours of Guangfa Bank

The specific business hours of Guangfa Bank are:

① Monday to Friday: 9:00 a.m. to 9: 00 p.m. 18:00 p.m., personal and corporate business can be handled;

② Weekends and holidays: 09: 00 a.m.-65438+06:00 p.m., personal business is allowed, but company business is not allowed.

5. How many days is the grace period for credit card repayment of Guangfa Bank?

The grace period for credit card repayment of Guangfa Bank is up to 3 days. In other words, as long as the credit card bank of Guangfa Bank repays the loan within the last three days of the due repayment date of the credit card, it will be regarded as repayment on schedule, and will not be regarded as overdue, nor will it be included in the central bank's credit information system, and will not cause its own bad credit record.

Is the credit card of Guangfa Bank good?

Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

1. China Merchants Bank Credit Card

The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.

Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.

2. Bank of Communications Credit Card

It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.

The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.

3. Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit cards are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.

4. CITIC Bank Credit Card

It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.

Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.

Verb (abbreviation of verb) Guangfa Bank Credit Card

Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.

6. China Everbright Bank Credit Card

It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.

In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.

So much for the introduction of Guangfa Credit Card.