Taking Guangfa Credit Card as an example, different cards can enjoy different discounts according to different choices, which are divided into the following categories: 1. Owner's Card/Co-owned Card Jinpu Card can enjoy 5 times points discount. Come on. If the "5-fold bonus" discount is selected, the main/co-main card owner and supplementary card can enjoy 5-fold bonus consumption within RMB 3,000 per month (4-fold bonus points will be paid at the end of the next month), and the sharing 1 fold bonus exceeding RMB 3,000 is limited to the consumption of UnionPay merchants whose classification code is "Refueling" in the banking system. 2. Cash refund for owner card/co-owner card: 1. You can register for 6% refueling cashback through the "Discover Wonderful" APP→ Wonderful Activities → Exclusive Activities →6% cashback activity area (only for Guangfa Owner Card/Owner Elite Platinum Card/Guangfa Togo Automobile Co-branded Card), you can participate in 6% refueling cashback, and the consumption of non-refueling points in that month is ≥ 3,000. 2. You can enjoy 1% gas cash back if you don't register/meet the consumption conditions in the current month, which is limited to 30 yuan/month/person. Deduct the corresponding points when the account arrives in the next month, and only enjoy 1 times points for the part exceeding 3,000 yuan, which is limited to the consumption with the category code of UnionPay merchants identified by the banking system as "Refueling". Customers who choose to refuel 5 times the integral rights will not participate in the 6% cashback activity. Third, the owner's platinum card is refunded. Platinum card owners can enjoy the cash back of fuel consumption within 2000 yuan per month, and the following parts can enjoy the return of 1000 yuan (inclusive) 10%; 100 1-2000 yuan (inclusive), enjoy a 3% refund. Refueling consumption is subject to the type of merchants registered by UnionPay, and the main and auxiliary cards are shared.

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. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards. From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.