The repayment of Guangfa Credit Card can be deferred for several days

The repayment of Guangfa Credit Card can be deferred for 3 days. This is a time-limited service provided by Guangfa Bank Credit Card, that is, the repayment grace period is 3 days. Normally, as long as the repayment is made within the grace period, it is not overdue and is considered to be repaid on time. If you repay after the grace period, interest will start to be charged based on 50,000% of the amount owed.

Guangfa Credit Card is the first domestic standard credit card issued by China Guangfa Bank in 1995, and it is also the first credit card to achieve profitability. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. The credit limit can be used for overdraft consumption and cash withdrawal transactions.

The interest-free period for overdraft consumption can last up to 50 days. As long as you repay in full before the repayment due date specified by the bank, you can enjoy the interest-free period from the date of transaction to the date of repayment. Interest-free treatment until the maturity date. The repayment method is flexible, you can pay it off in full, or choose the minimum repayment amount, enjoy revolving credit, and manage your finances more freely.

Guangfa Card has always adhered to the service concept of "giving you more and seeing further", guided by customer needs, and leading the Chinese credit card market with innovation and market segmentation. As of June 2010, the number of cards issued exceeded 10 million, forming a distinctive "GF card model" with simultaneous development of "quality" and "quantity", and becoming a well-known brand in the credit card field. Guangfa Card has successively won honors such as "Top Ten Most Trustworthy Bank Cards in the World/China", "UnionPay Standard Credit Card Market Development Award", and "Asia-Pacific Best Customer Service Award". At the end of 2010, the credit balance of Guangfa Card exceeded RMB 30 billion, the profit growth rate exceeded 80%, the net profit led the credit card industry, the annual new bad rate was less than 1, and the activity rate, average card income and average card profit were all ahead of the industry.

No annual fee policy: no annual fee in the first year, and six swipes to waive the next annual fee. The annual fee for each card of MasterCard Titanium Card is 480 yuan, and an annual fee will be charged in the first year. Points can be accumulated every year from the first year onwards. If you spend over 80,000 yuan with your card, you will be exempted from the annual fee for the next half year on a rolling basis

Cash advance limit: 50% of the credit limit

Interest-free period: 20 to 50 days

Consumption verification method: signature signature password

Revolving credit interest (daily interest): 0.05 interest per day, minimum fee is 1 yuan

Consumption SMS notification fee: more than 300 yuan Free notification. If the amount is less than 300 yuan, you need to activate the SMS notification function. The fee is 3 yuan per month.

The repayment of Guangfa Credit Card can be deferred for up to 3 days.

The repayment of Guangfa Credit Card can be deferred for up to 3 days.

According to Article 14 of the "China Bank Card Industry Self-Discipline Convention", member units provide cardholders with "time-tolerant services" and should provide cardholders with a certain period of repayment grace period services. The repayment grace period shall be at least 3 days from the due date of repayment; when the cardholder repays within the repayment grace period, it shall be regarded as the cardholder repaying on time.

The "China Bank Card Industry Self-Discipline Convention" is used to restrain Chinese citizens and promote the standardized and healthy development of my country's bank card industry, and maintain a fair and orderly competitive environment in the bank card market. According to relevant national laws, regulations and This Convention is formulated in accordance with regulatory requirements and in combination with the actual conditions of bank card business.

Guangfa Credit Card is the first domestic standard credit card issued by China Guangfa Bank in 1995, and it is also the first credit card to achieve profitability. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. The credit limit can be used for overdraft consumption and cash withdrawal transactions.

Extended information

The interest-free period for overdraft consumption can be up to 50 days. You only need to repay in full before the repayment due date specified by the bank to enjoy the interest-free period. Interest-free treatment from the date of transaction to the due date of repayment. The repayment method is flexible, you can pay it off in full, or choose the minimum repayment amount, enjoy revolving credit, and manage your finances more freely.

Article 207 of the Contract Law stipulates, “If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.”

Penalty interest will be charged for overdue payments. From the date of overdue payment, a penalty interest rate of 150 RMB will be charged on the overdue amount every day until the overdue amount is paid off. Your overdue record will be reported to the People's Bank of China for credit reporting, which will affect your credit record. Please cherish your credit and repay on time.

If the loan is overdue for more than a certain period, the relevant records of the overdue user will be transmitted to the central bank's personal credit system. In addition to uploading overdue information to the central bank's personal credit reporting system, lending will continue to cooperate with third-party credit reporting agencies such as Qianhai Credit Reporting, Shanghai Credit Reporting, and Pengyuan Credit Reporting.

For loans that are overdue or not used for the purpose stipulated in the contract, interest will be charged at a penalty interest rate from the date of overdue or the loan is not used for the purpose stipulated in the contract until the principal and interest are repaid. For interest that cannot be paid on time, compound interest will be calculated based on the penalty interest rate.

Baidu Encyclopedia--Overdue Interest

Baidu Encyclopedia--Credit Card Repayment

Baidu Encyclopedia--China Bank Card Industry Self-Discipline Convention

Baidu Encyclopedia--Guangfa Credit Card

How many days can the Guangfa Credit Card repayment date be extended

If the Guangfa Credit Card repayment date is under normal circumstances, you can apply for free by calling Guangfa Bank customer service You can defer repayment for 1 day. In addition, if you encounter special circumstances, you can apply for a 3-day deferral. However, once the interest-free period for credit card consumption has passed, interest will only be calculated on the unpaid portion, starting from the date of consumption. The unpaid portion will be charged interest at a rate of 0.05% per day.

Extended information:

The minimum repayment regulations for Guangfa Bank credit cards are as follows:

1. Annual fee for the main card. The annual fee for China Guangfa Bank’s regular UnionPay card is 40 yuan, and the annual fee for gold UnionPay card is 80 yuan.

2. No annual fee policy. The annual fee is waived in the first year, and the annual fee is waived for the next year by swiping the card six times. The annual fee for the MasterCard Titanium Card is 480 yuan. The annual fee is charged in the first year. From the first year, points can be accumulated every year and the card will be waived for the next year if you spend 80,000 yuan with the card. Half a year's annual fee.

3. The cash advance limit is 50% of the credit limit.

Reference material: Baidu Encyclopedia-Guangfa Credit Card

How many days can the repayment of Guangfa Credit Card (credit card) be delayed?

The repayment of Guangfa Credit Card (debit card) can be delayed for up to 3 days.

As we all know, all major banks provide credit card (debit card) time-out services, that is, a repayment grace period. Among them, the repayment grace period for Guangfa Credit Card (debit card) is 3 days. Cardholders You can defer the repayment for 3 days, which will be considered as on-time repayment and not considered overdue.

However, delayed repayment of Guangfa Credit Card (credit card) requires cardholders to actively apply, and they can only enjoy the repayment grace period service once a year. Therefore, it is recommended that GF credit card (debit card) cardholders should not take chances that there will be a grace period for delayed repayment, and develop a good habit of repaying on time every day.

Does Guangfa Bank credit card have automatic extension service?

Guangfa Bank credit card has automatic extension, and the grace period is 3 days. The Bank Card Professional Committee of the China Banking Association announced the revised "China Bank Card Industry Self-Discipline Convention" in 2013: First, member units are required to provide "time-tolerant services" to cardholders and provide cardholders with repayment within a certain period of time. For grace period service, the repayment grace period shall be at least 3 days from the due date of repayment; when the cardholder repays the loan within the repayment grace period, it shall be regarded as the cardholder repaying the loan on time. The second is to require member units to provide "tolerance services" for cardholders. If the cardholder has insufficient repayment in the current period, and the unpaid portion of the account after the due repayment date is less than or equal to a certain amount (at least the equivalent of RMB 10 yuan), it shall be regarded as full repayment by the cardholder, and the outstanding amount will be automatically transferred to the next bill.

That’s it for the introduction to Guangfa Credit Card’s deferred repayment.