Guangfa Bank’s new smart credit card limit

Guangfa Bank’s new smart credit card has two credit card levels: regular card and gold card. The limit standards of credit cards of different levels are different.

The credit limit for regular cards: 2,000~10,000 yuan;

The credit limit for gold cards: 10,000~50,000 yuan.

Guangfa Bank will evaluate the application materials and personal credit status submitted by the credit card applicant to decide whether to issue a credit card and the specific approved amount.

Generally, China Guangfa Bank will judge based on the following two points:

1. Whether you have applied for a credit card from our bank/other banks

If you have not used any other The limit of the GF New Smart Card applied for by bank credit card customers will be relatively low, but the limit applied by customers who have used credit cards from other banks will be relatively higher.

Therefore, generally cardholders who have applied for a credit card will apply for other bank cards by applying for a card.

2. Whether the applicant has good credit status

If the applicant has good credit status, submits complete and sufficient application materials, has a stable job and a high salary, China Guangfa Bank will Grant him a higher quota.

Extended information:

Guangfa Bank smart credit card limit increase

You can increase the limit through the following methods:

First, hold on After using the card for a period of time, take the initiative to apply to the card issuer to increase the fixed limit, and provide as many proofs of your repayment ability as possible, such as income certificates, bank deposit certificates, real estate certificates, car ownership certificates, etc.

Second, after getting a credit card, use the credit card as much as possible for large purchases, so that the bank will adjust the limit based on your card use and repayment status.

Third, when you have large consumption needs, call the customer service number of China Guangfa Bank Credit Card Center to apply for an increase in the temporary limit.

Guangfa Bank—Guangfa Smart Credit Card