We need 5- 10 working days to review the application materials after receiving them. After the approval, we will send cards and text messages to remind customers. It will arrive in about 7 days by surface mail and 3 days by express mail. If you still haven't received the card beyond the normal time, you can check the card mailing progress by finding the wonderful APP progress query, or you can call 95508 for consultation.

After receiving the card, the user can activate the card through the official channel of Guangfa Bank. If the user applies for a credit card for the first time, there will be no salesperson or branch staff to meet the user during the whole process, prepare the original valid identification, and apply for opening at the branch with the credit card, card certificate, mobile phone reserved by the bank and card plug.

Extended Data When a cardholder uses a credit card to make a large amount of consumption, the issuing bank will pay the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deduct the consumption funds from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder will repay according to the monthly recorded amount.

In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

Baidu encyclopedia-credit card