Which GF credit card is better and more practical?

By listing the types of Guangfa Bank credit cards and comparing their functions below, you can see at a glance which Guangfa Bank credit card is better and which Guangfa Bank credit card is suitable for you.

There are 17 types of Guangfa Bank credit cards***:

(1) Guangfa Bank Vitality Credit Card: The discounts are mainly reflected in sports.

(2) Guangfa Bank Intime Credit Card: This card is mainly for fashion elites.

(3) China Guangfa Bank China Economic Huitong Credit Card: swipe the card to refuel and get 2 cash back, etc.

(4) China Guangfa Bank Taobao Credit Card: It has unique functions such as “refund by swiping the card” and “refund in consecutive installments”.

(5) Guangfa Bank Ctrip Credit Card: Issued to meet the card needs of business travelers.

(6) China Guangfa Bank Smart Credit Card: Unique IQ300 smart consumption rebate discount,

(7) Guangfa Bank China Eastern Airlines Credit Card: Automatically redeem China Eastern Airlines miles, high-value aviation accident insurance and Travel inconvenience insurance, full card loss protection 48 hours before reporting loss, and interest-free installment payment by "Bianxiangxing"

(8) China Guangfa Bank China Unicom Credit Card: Cardholders can purchase China Unicom products such as iPhones, etc. Enjoy interest-free and handling fee-free installment offers.

(9) GF 7 Days Co-branded Credit Card: It is jointly issued by GF 7 Days Hotel chain, and the discounts are mainly reflected in hotels.

(10) Guangfa Bank Shenzhen Airlines Zunpeng Credit Card: It has functions such as "mileage pre-loan" and "linked account".

(11) Guangfa Bank QQ Credit Card: Guangfa QQ Car Card is mainly aimed at private car owners.

(12) GF Hope Credit Card: Charity aspect.

(13) China Guangfa Bank China Southern Airlines Sky Pearl Credit Card: mainly provides aviation services and financial management services.

(14) Featured functions of China Guangfa Bank’s credit cards: card loss protection, interest-free installment payment by “Bianxiangxing”, mail-order installment payment, overdraft cash withdrawal, etc.

(15) China Guangfa Bank Standard Credit Card: Special features include card loss protection 48 hours before full report of loss, free insurance of your choice, ultra-low minimum repayment amount, ultra-long interest-free repayment period, "Everything" offers interest-free installments, mail-order installments, overdraft cash withdrawals, etc.

The annual fee for the main card: the annual fee for the regular card UnionPay card is 40 yuan, the annual fee for the gold card UnionPay card is 80 yuan

Annual fee exemption policy: annual fee is waived in the first year, and it is waived after swiping the card six times. The annual fee for the Titanium MasterCard Card in the next year is 480 yuan per card. The annual fee is charged in the first year. From the first year, points can be accumulated every year and the annual fee will be waived for half a year after spending 80,000 yuan on the card.

Cash advance limit: 50% of the credit limit

Interest-free period: 20 days to 50 days

Consumption verification method: signature signature password

Revolving credit interest ( Daily interest): 0.05 interest is charged every day, the minimum charge is 1 yuan

Consumption SMS notification fee: Free notification for purchases above 300 yuan, and the SMS notification function is required for purchases below 300 yuan, and the fee is 3 yuan per month

Which credit card from China Guangfa Bank is worth applying for? You can take a look at these models

Among the many mainstream banks, China Guangfa Bank’s credit card issuance volume has always been high due to its low threshold and many discounts. China Guangfa Bank has a wide range of card types, including many credit cards worth applying for. Here are a few popular credit cards.

1. Guangfa Car Owner Card

Although it is not a new card, the number of card applications has remained high, and it is one of the first choice credit cards for many car owners. Its most attractive feature is that it can customize various service benefits for car owners.

For example, if you make any point-based transaction within 3 months after the card is issued, you will receive free 100 kilometers of roadside assistance service and high-value accident insurance; monthly refueling can provide up to 6 cash back and 5 times points for refueling. Extra 20% off on expressway tolls. If you are a new householder, you can enjoy more generous benefits when applying for a card, including a 24% discount on highway passes, free ETC electronic tags, and up to 15% cashback for new households.

2. GF Sharp Card

The most attractive thing about GF Sharp Card is the cashback offer. Cardholders can choose from three major merchants: catering, entertainment, shopping, and travel. Select one or more categories among the types, and after selecting, you can enjoy discounts when you spend at designated types of merchants.

That is, cardholders can get cash back for a single purchase of 99 yuan and up to 199 yuan for cash back. 1. You can get 5 cash back every Friday, up to 100 yuan. In addition, cardholders can enjoy 3 times the points when spending at merchants of their choice.

3. China Guangfa Bank True Love Card

It is also a very popular credit card of China Guangfa Bank. Most of the applicants are female customers. After all, this is a female-only credit card. Although men can also apply, women are given preferential treatment, and the approval rate of women's applications is higher than that of men.

The most worthwhile thing about applying for this credit card is that it can provide women with many considerate services, such as triple points plan for merchants of their choice, insurance plan of their choice and other functional services, and they can also enjoy discounts from many merchants.

4. GF Ctrip Credit Card

This card is specially designed for business travelers. The two cards combine to accumulate Ctrip points in both directions, provide travel accident insurance, and waive handling fees for a monthly cash withdrawal from another place. Discounts, etc. are all special functions of the card to meet the card usage needs of business travelers.

Which Guangfa Credit Card is the most practical?

Guangfa Bank has many types of cards, and users can choose according to their own circumstances.

The types and characteristics of Guangfa Bank credit cards are as follows:

(1) Guangfa Bank Vitality Credit Card: The discounts are mainly reflected in sports.

(2) Guangfa Bank Intime Credit Card: This card is mainly for fashion elites.

(3) China Guangfa Bank China Economic Huitong Credit Card: swipe the card to refuel and get 2 cash back, etc.

(4) China Guangfa Bank Taobao Credit Card: It has unique functions such as “refund by swiping the card” and “refund in consecutive installments”.

(5) Guangfa Bank Ctrip Credit Card: Issued to meet the card needs of business travelers.

(6) Guangfa Bank Smart Credit Card: Unique IQ300 smart consumption rebate discount.

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants

Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

That’s it for the introduction of which GF credit card is the best.