Is Guangfa Bank’s credit card rubbish? Is it true? Have you heard about illegal lending?

It’s really rubbish. The Weibo English incident widely published illegal methods. If the card application information does not match the ID card information, it will be approved. There is no approval process

The king of garbage-Guangfa Credit Card~On the most garbage card in the credit card industry

Guangfa Credit Card has become a craze on the Internet. As for why it is so popular? I applied for a card myself and tried it out. After using it for a period of time, I just want to say Cao, how rubbish is this card?

To summarize a few points:

1. China Guangfa Bank thinks it is rich and great, but it treats users The service attitude is extremely poor. I don't care if I want to do something or not. The key point is that the 24-hour customer service is fake and you can't contact a human. You have to wait for them to contact you. Is the customer God or they are God? You can imagine it seems like this. I begged them on my knees to say yes. Very unhappy

2. The annual fee is ridiculously expensive. The annual fee is hundreds or thousands of dollars. It is deducted as soon as you activate the card without any prompt. You spend hundreds of dollars inexplicably. Those who didn’t know thought it had been stolen.

3. When the credit card was reviewed for the second time, I received a phone call because the number showed security issues. When answering the question, I said I didn’t trust this number. Since the customer service directly said that this is your limit, if If you don't trust it, don't do it. I get angry when I hear that.

4. The installment fee is the same as the installment payment, which will keep you from paying it off, so it is recommended not to use it.

5. As long as you apply for a card, you will be forced to consume. If you don’t consume, it will also affect your credit. Sometimes you will even be prompted to suddenly reduce the value of your credit card due to risk assessment, which is unstable. It may even be that the limit you have worked so hard to save is suddenly reduced when you need it most.

6. There is a software called "Discover Wonderful". There are some activities in Wonderful that talk about installment discounts or consumption discounts. If you use it, congratulations on being fooled. You will find that the discount is available at that time, and it will be involved later. If you consume more than the amount, there will be a chain of funds for you to repay, and your credit limit will also be reduced.

I found some netizen information on the Internet: This is Baidu Word of Mouth

Do you still dare to use your money in such a roundabout way?

If this kind of bank were not supported by the majority of user groups, I believe it would have disappeared long ago. Now that we have money, we are thinking about how to collect our users’ money. This banking state is long overdue for regulation.

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.

Guangfa Bank’s credit card is so ugly

Guangfa Bank’s credit card will always be ugly.

Among the credit cards, the card faces of China Guangfa Card and Big Mom Card are really unflattering. The design is not only ugly, but the quality is also poor.

Guangfa Bank was established in September 1988 with a registered capital of 11.408 billion yuan and its headquarters is at No. 713 Dongfeng East Road, Yuexiu District, Guangzhou City, Guangdong Province, China. With the approval of the State Council and the People's Bank of China, Guangdong Development Bank was established on the bank of the beautiful Pearl River as a pilot bank for China's financial system reform. It is one of the earliest joint-stock commercial banks established in China.

Ranking of the most junk credit cards

Guangfa’s credit cards are the junkiest, and the junk credit cards are definitely the top fighters

I have used credit cards from several banks, and ICBC is the top one. The most rubbish! Don’t be fooled by one of the four major banks! Everyone will know after using it! 2. My public account is for industry and commerce. The teller recommended applying for a credit card. It cost 5,000, but it was of no use. Then I canceled the card. Later, the customer service called me and said there was an event or something, and they tricked me into applying for the card, but it was rejected. They also checked my credit twice, which was so deceptive. (China Merchants Bank has a limit of 50,000, and Agricultural Bank of China has a limit of 100,000, and never uses a card for cash)

3. ICBC’s mobile banking has the most junk procedures, and when you log in for the second time, it will show that the password is incorrect. Unable to use

In addition to Bank of Communications, there are also China Construction Bank, Agricultural Bank of China, and Industrial and Commercial Bank of China! Every time I feel like they are cheating customers with their business! After waiting in line for a long time, it was her turn and she went to eat. Have to rearrange again! The service attitude is called "good"! They are all ancestors! Just mentioning it makes me angry! Agricultural Bank of China's credit card is only for civil servants. For CCB's credit card, in addition to having a car and a house, you must have a formal job, the kind that can issue a work certificate. I work in a state-owned enterprise, but I am dispatched, and they say they won't apply for it.

Not to mention ICBC. I applied for their Peony Card, but they sent me a set of 5 World Cup commemorative cards. It was a rip-off! ! The quota is 1 cent from his sister! ! I complained to their customer service. I obviously applied for a Peony Card! As a result, the customer service said that the Peony card was no longer available, so they issued a World Cup set! ! He even signed it for me! 1 hair! All my other credit cards have a limit of 20,000! Who are you burying?

This is the end of the introduction about Guangfa Credit Card Junk and why Guangfa Credit Card cannot be used. I wonder if you have found the information you need?