1. Credit card limit Everyone knows that the credit card limit is mainly determined by the bank, and the key factor is the applicant's Credit. The Agricultural Bank of China Telecom co-branded credit card and Guangfa Telecom co-branded credit card are both UnionPay single currency cards, and they have two levels: gold card and platinum card. In terms of limits, the gold card limit of the two credit cards ranges from 10,000 to 50,000 yuan, and the platinum card has a limit range of 10,000 to 50,000 yuan. The quota starts from 50,000 yuan. However, judging from the past credit limit of Agricultural Bank of China, it is basically quite stingy. It is not as high as Guangfa Bank's limit. Although Agricultural Bank of China's telecom card has been a big hit, the maximum limit reported by netizens does not exceed 30,000 yuan. The GF Telecom co-branded card is in the promotion stage, so the limit should not be too stingy. Therefore, for cards of the same level, the limit of Agricultural Bank of China must be lower than that of Guangfa.
2. The annual credit card fee is 160 yuan/year for the Agricultural Bank of China Telecom Co-branded Gold Card for the main card and 80 yuan/year for the supplementary card. The first-year annual fee is waived. The annual fee for the next year is waived after swiping the card 5 times; platinum card The annual fee is waived in the first year of opening the card. The annual fee in the first year is 580 yuan/year for the main card and 300 yuan/year for the supplementary card. The annual fee for the next year is waived after swiping the card 12 times; the annual fee for the GF Telecom co-branded card gold card is 80 yuan/year. , directly exempted in the first year, and any 6 purchases per year will be exempted from the annual fee in the following years on a rolling basis. The annual fee for the Platinum Card is RMB 800 per year and cannot be waived. In terms of annual fees, both the Agricultural Bank of China Telecom Card and the Guangfa Telecom Gold Card are free of annual fees in the first year, and can reduce the annual fees for the following year based on the number of card swipes. This can be said to be comparable; but as for the Platinum Card, , the annual fee of the Agricultural Bank of China Telecom Platinum Card is not as expensive as that of GF, and the annual fee for the next year can also be reduced by the number of card swipes, which is slightly better than that of GF.
3. Credit card benefits: The Agricultural Bank of China Telecom co-branded card also has new account card application and consumption gifts, such as swiping 66 yuan to get 50 yuan of phone credit, and UnionPay online transactions with a cumulative effective consumption of 5,000 yuan to receive Huawei brand mobile WiFi." One "Internet Magic Tool" and so on, but these activity dates have ended, and other benefits are basically soy sauce, not worth mentioning. This may be the reason why this credit card is greatly relaxed. Guangfa Telecom Card is in the promotion stage, and the wool is relatively rich, but they are all telecom-related rights and interests. For example, new users can get a card now and get a cashback of 6 if they spend 99 yuan or more within 3 months. During the promotion period, newly installed telecom broadband will get 199. Yuan installation fee, as well as free 24-month monthly rent for the 59 Yuan high-traffic package of Telecom, and 6 or 15 recharges for telecom calls of 88 Yuan for 3 purchases per month, etc. These benefits are for friends who do not have telecom business. Not attractive enough. Through the above comparison of credit cards, everyone must have an answer in mind as to which one is better, Agricultural Bank of China Telecom co-branded card VS GF Telecom co-branded card. What I want to say here is that no matter which telecom credit card you choose, it is best to base it on your actual needs and do not blindly apply for a card.