How about the WeChat Guangfa Bank Credit Card?

It’s very good. Guangfa Bank Credit Card has three levels: regular card, gold card and platinum card. Depending on the card applied by the applicant, you can The amount obtained is also different. Generally, the limit of a regular card is 1,000...which is pretty good. China Guangfa Bank credit cards are divided into three levels: regular card, gold card, and platinum card. Depending on the card applied for by the applicant, the credit limit available is also different. Generally, the limit of a regular card is 1,000...which is pretty good. China Guangfa Bank credit cards are divided into three levels: regular card, gold card, and platinum card. Depending on the card applied for by the applicant, the credit limit available is also different. Generally, the limit of ordinary cards is 1,000...

How about Guangfa Bank_Is Guangfa Bank credit card good?

Guangfa Bank was established in 1988 and is one of the first joint-stock commercial banks in China. One of the banks committed to providing customers with high-quality, efficient and comprehensive comprehensive financial services.

China Guangfa Bank has established 43 first-level branches and 843 business institutions in 100 prefecture-level and above cities in 24 domestic provinces (municipalities and autonomous regions) and the Macao Special Administrative Region, and has established partnerships with 125 countries and regions around the world. 1,718 bank headquarters and branches in the region have established agency bank relationships, providing high-quality services to more than 300,000 corporate customers, 34.22 million personal customers, 57.11 million credit card customers, and 24.27 million mobile financial customers. , comprehensive financial services.

In terms of credit cards, the advantages and disadvantages of China Guangfa Bank are:

1. Advantages:

1. The annual fee is waived for the first year, and the annual fee is waived for the following year if you use it six times. Annual fee;

2. No handling fee for overpayment redemption;

3. Only 3 yuan to make a replacement statement;

4. Free delivery One insurance;

5. There are discounts for applying for a card

2. Disadvantages:

1. The SMS service fee is 3 yuan;

2. The loss reporting fee is high at 85 yuan;

3. There are few outlets.

Guangfa Bank credit card is a relatively mainstream credit card, but when applying for a card, you must choose the corresponding card according to your own needs. For example:

If you are a car lover and a car owner, it is recommended to apply for the GF Zhongjing Huitong Credit Card, GF Shenzhen Airlines Zunpeng Credit Card, and GF Car Owners Credit Card. With the GF Car Owners Credit Card, you can enjoy 100 kilometers of free roads. Rescue, free high-value accident insurance, thoughtful maintenance services and preferential functions.

If you are a person who loves online shopping, it is recommended to apply for the GF Taobao Credit Card. With this card, you can enjoy continuous installments worth of RMB 90 rebates, as well as "flash sale" products at preferential prices.

If you are a sports enthusiast who loves to play and run, it is recommended to apply for the GF Vitality Credit Card. With this card, you can enjoy priority booking of sports venues, free participation in sports activities, etc.

If you are a business traveler who loves traveling and often flies, it is recommended to apply for the Guangfa China Eastern Airlines Credit Card and the Guangfa China Southern Airlines Sky Pearl Credit Card. Using this card can enjoy air ticket discounts and VIP lounge access.

Is Guangfa Bank’s credit card reliable?

Overall, Guangfa Bank’s credit card is very reliable. We mainly look at the bank’s strength, credit card limit, privileges, repayment grace period, etc. From the perspective of analysis, it can be seen that it is very reliable.

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

2. Credit card limit: Under normal circumstances, the limit of GF regular card is less than 10,000 yuan, the limit of GF gold card is between 10,000 and 50,000 yuan, and the limit of GF platinum card is usually 50,000 yuan. above. Overall, the quota is acceptable, but since our credit conditions are different, the specific quota is subject to actual conditions.

3. Privileges and privileges: Guangfa Bank has many credit card discounts, such as getting free gifts for repayment, universal check-in to get free gifts, activation of Sky e-City 100-yuan shopping mall coupons, and weekly swiping to share 3.6 billion points. wait. In addition, the annual fee is generally waived for the first year, and the annual fee is waived for swiping the card in the following year.

4. Repayment grace period: This is the biggest drawback of Guangfa Bank’s credit card. The general repayment grace period for other credit cards is 3 days, but Guangfa Bank only has one day, and it only happens once a year. . If you forget to repay due to some circumstances, you must call to apply. If you miss, you will incur penalty interest, and the issuing bank's tolerance is not 10 yuan, but 9.99, and it cannot be higher than 10 yuan.

As can be seen from the above analysis and reaction, China Guangfa Bank is very reliable.

5. As the ancestor of the “real credit card” in China, GF Credit Card has a wide range of categories, with nearly a hundred types of credit cards at your disposal. GF's mid- to low-end cards are flourishing, but the high-end cards have not made any splash. I feel that they have been misled by Citi and are useless. Since 20016, when my father, China Life, was replaced, GF has obviously accelerated the research and development of new card types. promotion.

6. Characteristics of GF.

(1) Easy to remove the card. Lao Wang next door likes to be kind and tempting. He will give you sweets first and then give you sex. It is easy to get the card from Guangfa, after all, he likes colorful flags to flutter.

(2) It is easy to raise the quota. The first withdrawal for new accounts is half a year, and thereafter, the withdrawal for extremely high-quality customers is once every three months, and the withdrawal for high-quality customers is once every six months, and the amount of increase is larger. After the goose belly exceeds 10w, the amount of each increase will be reduced to 15-20 , the ordinary card can also exceed 200,000. Sometimes the limit increase requires manual review, and you may check to see if there are any problems with your credit report, but it will basically pass.

(3) Temporarily toxic. The withdrawal is fixed on February 1st and is expected to be withdrawn on May 1st. Therefore, the temporary goose belly of the card must expire before May 1st.

(4) The amount is adequate. There are high and low card withdrawal limits. You will not be beaten to death just because you have no financial dealings with GF. Your credit report will be used to match the limit.

(5) Risk control is adequate. GF's risk control has always been relatively loose and it is easy to increase the quota, making it very popular. Some time ago, GF introduced third-party data to conduct risk screening, and some money parties and wool parties were shot on the spot. This is understandable. Generally speaking, GF is currently relatively friendly.

Is Guangfa Credit Card good? What are the advantages and disadvantages of Guangfa Credit Card?

Friends who pay attention to credit card consultation may know that the usage rate of Guangfa Credit Card is gradually increasing, and Guangfa Bank “gives you more, The service concept of "seeing farther for you" is also favored by the public. So what are the advantages and disadvantages of Guangfa Credit Card? Kabaobao gave everyone a summary.

What are the advantages and disadvantages of Guangfa Credit Card?

1. Advantages of Guangfa Credit Card

1. The threshold for applying for a card is low: Guangfa is easier to apply for. As long as you can issue a work certificate, all conditions can be ignored

2. Convenient withdrawal: 100% cash withdrawal after half a year, 56-day long interest-free period; "

3. The starting point for installment is low: the starting point is only 500, there is 48-hour card loss protection, and Alipay is supported;

4. Enjoy triple points from merchants of your choice: Guangfa Bank True Love Card is a credit card specially designed for women. The card surface adopts a transparent card design and has triple credit from merchants of your choice. Cardholders can choose according to their own requirements. Choose one of the four consumption categories of department stores, restaurants, tourism or entertainment as the designated merchant type for triple credit card points

5. Use the GF Zhenqing Credit Card with double insurance. , safer and more assured: The True Love Card provides you with double card security. When your credit card account balance changes, you will receive an instant SMS notification to promptly remind you to check the status of your credit card and cooperate with the full report of loss. 48-hour card loss protection will compensate for losses caused by credit card theft within a certain range, making your card use more secure.

6. Guangfa Zhenqing Credit Card Instant Pass: To ensure the safety of your funds, you will be charged 300 for each transaction. You can enjoy free text message reminders for all transactions worth RMB 10,000, and you will be notified of account changes in real time, so you can use the card with more peace of mind. If you need text message reminder service for all transactions, you only need to call 95508 to activate it, and the fee is only 3 yuan per month.

2. Disadvantages of Guangfa Credit Card

1. The SMS service fee is 3 yuan;

2. The loss reporting fee is as high as 85 yuan;

3. Few branches

4. There are no 800 and 400 numbers; and customer service numbers are all set up by branches in various places.

I believe that after Kabaobao’s summary, everyone has an understanding of the advantages and disadvantages of Guangfa Credit Card. I hope it can help everyone have a comprehensive understanding of Guangfa Credit Card.

How about Guangfa Bank credit card?

Very good. Guangfa Bank credit cards are divided into three levels: regular card, gold card, and platinum card. Depending on the card applied for by the applicant, the amount available is also different. Generally, the limit of regular cards is between 1,000 and 10,000 yuan, the limit of gold cards is between 10,000 and 50,000 yuan, and the limit of platinum cards is more than 50,000 yuan. Guangfa Bank credit cards can enjoy the longest interest-free period of 56 days. Cardholders can earn double points for purchases in the month of their birthday, and can also enjoy a 12% 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, neither a state-owned enterprise nor a private enterprise. Its shareholders include CITIGROUPINC. and IBMCREDIT LLC. , CITIC Trust Investment Co., Ltd., State Grid Corporation of China, Shenzhen Tongqian Investment Co., Ltd., etc. were established on July 8, 1988. The registered address is No. 713 Dongfeng East Road, Yuexiu District, Guangzhou City. It was formerly known as Guangdong Development Bank Co., Ltd.

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

The annual fee for Guangfa Bank Card depends on the type and level of the card. Among them, the Guangfa Bank Savings Card does not charge an annual fee. If the average daily balance of the account is less than 500 yuan, a small account management fee will be charged. Guangfa Bank credit cards have annual fees, of which the annual fee for the regular card is 40 yuan for the main card and the supplementary card is 30 yuan; the annual fee for the gold card is 80 yuan for the main card and 48 yuan for the supplementary card. In addition, the annual fee for the first year is waived when opening a gold card or regular card, and the annual fee for the next year is waived if the card is swiped 6 times per year.

3. How to unfreeze the frozen Guangfa Bank card

① If you enter the wrong withdrawal password three times in a row, I will bring my bank card and ID card to the business hall of Guangfa Bank for unfreezing. Can.

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

③ Caused by third-party reasons, legal case handling needs, some special circumstances require freezing of bank cards, etc., and need to wait for the end of the case to be unfrozen.

④ If you haven’t used your bank card for a long time, the counter business has been frozen, and you need to go to the counter with a valid ID card and bank card.

4. Guangfa Bank’s business hours

The specific business hours of Guangfa Bank are:

①Monday to Friday: 9:00 am to 18:00 pm , can handle personal and corporate business;

② Weekends and holidays: 09:00 am to 16:00 pm, personal business can be handled, but corporate business cannot be handled.

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

The grace period for repayment of Guangfa Bank credit card is up to 3 days. That is to say, as long as the credit card bank of Guangfa Bank expires, Any repayment within three days of the repayment date will be considered as on-time repayment and will not be treated as overdue. It will not be included in the central bank's credit reporting system and will not cause a bad credit record.

That’s it for the introduction of Guangfa Credit Card.