I would like to ask which kind of Guangfa credit card should I apply for

1. The DIY credit card launched by Guangfa Bank is better.

2. Guangfa Bank’s DIY credit card is suitable for consumption and entertainment. The application threshold for this credit card is low and the application process is relatively simple. Moreover, the points accumulation mechanism after using the credit card is also relatively good. At the beginning of using the credit card, there are generous account opening gifts and credit card points activities. The limit of this credit card is generally between 3,000 and 10,000 yuan. And for people who use it frequently, credit card limits can be increased relatively quickly. At the same time, the annual fee for this credit card is still very low, only 40 yuan. The annual fee will be waived in the first year of use.

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The 5 most worthy credit cards

1. ICBC World Struggle Card: Needless to say, ICBC has always been one of the best among banks. According to many netizens, the application threshold review conditions are relatively loose, it is easier to apply for, and it is easy to maintain the card and it is easier to withdraw money. Forehead. As for this ICBC World Struggle Card, it has quite a lot of benefits and is very easy to apply for. It is considered to be a relatively easy card to apply for in ICBC.

2. China Merchants Bank Young Card: Many people regard this China Merchants Bank Young Card as their first credit card in life. Its application conditions are very simple and it is more suitable for newly graduated college students. The credit limit is increased faster than other banks.

All credit cards are fast. As long as your credit status is good, you can get a credit limit increase very quickly. Therefore, maintaining this card will be very helpful for applying for credit cards from other banks in the future.

3. Agricultural Bank of China’s Beautiful Mom Credit Card: Agricultural Bank of China’s credit card has always had a very good reputation among the public, and many cardholders said that Agricultural Bank of China’s credit card limit increase is the fastest among all banks.

It is said that there is no upper limit. Don’t think that only women can apply for the Agricultural Bank of China’s Pretty Mom Credit Card, men can apply too.

4. Pudong Development Bank Youth Campus Card: Shanghai Pudong Development Bank’s risk control is relatively loose, and the credit limit is also very good, and Shanghai Pudong Development Bank also has universal funds, which is very exciting. Pudong Development Youth Campus Card

is mainly aimed at young people. It is easy to apply for this credit card. The card’s rights and points are very good. It also has exclusive “Dream Gold”. This credit card It is also very easy to raise and can also be used to shear wool

.

5. Guangfa DIY Credit Card: Although Guangfa Bank is not as famous as the banks mentioned by the editor earlier, the credit card of Guangfa Bank is also very worth applying for. The limit increase speed is very fast. Many netizens said< /p>

You can increase your credit limit simply by swiping your card. One of the great benefits of Guangfa DIY Card is that the points are very generous

. You can enjoy various points discounts when applying for this credit card. It is quite enjoyable to use it to harvest wool, and it only takes

If your personal credit is good, there is no problem in applying for this card.

Is Guangfa Bank credit card good?

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 a 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.

Comparison in three major aspects: Which one is better, GF One card or DIY card?

Guangfa One card and DIY card are very similar. Many friends regard the newly released One card as a DIY card. An upgraded version, but there are still differences between the two credit cards. So, which one is better? Let’s compare and analyze it together.

What is the difference between GF One Card and DIY Card

1. Rights

From the official introduction, the triple points of GF One Card can only be earned by entertainment, Choose one of four types of consumption in supermarkets, restaurants and tourism, and GF DIY Card covers all. With the GF DIY Card, you can choose your favorite merchant type among the three major merchants and enjoy triple points discount. If you choose only one of dining, entertainment, shopping, and travel, it’s free. If there is more than one category, the fee will be deducted at RMB 29 per year for each category exceeded.

From the perspective of merchant types, there are four types of GF one cards and three types of GF DIY cards. If you only choose one of them, the GF DIY card has a wider coverage.

In addition, with the GF One Card, you can choose a benefit package or an a la carte package, and you can order a variety of benefits a la carte: game gift packages, video and music memberships, insurance services and exquisite life, etc. More choices and greater autonomy.

2. Card levels

The GF one card has only one level, while the GF DIY credit card has two types: regular card and gold card, both of which are UnionPay cards.

3. Others

One of the highlights of GF One Card is the free 80 yuan bonus, which can be used to purchase benefits, such as game gift packs, music memberships, video memberships, etc. . The special feature of the DIY card is that points can not only be redeemed for shopping mall gifts, but can also be applied for discounts on overdue bills, with 10,000 points worth 20 yuan.

The comparison shows that in terms of rights and interests, GF DIY Card has wider coverage, and you can choose from three categories, but you need to pay a certain annual fee. The biggest advantage of GF One Card is the equity fee, which can be used to purchase individual rights. Therefore, each of these two credit cards has its own advantages.

This is the end of the introduction to whether Guangfa DIY Credit Card is good.