Credit card application process:
1. Fill in and submit the credit card application form correctly through the official credit card application channel of Guangfa Bank. The application channels include Guangfa Credit Card official website, "Discover Wonderful" app, outlet counters, and on-site handling by salesmen.
2. It generally takes 2- 10 working days for our bank to review the application materials after receiving them. Customers can log in to the "Discover Wonderful" APP and WeChat to check the application progress.
3. 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 haven't received the card after the normal time, you can check the card mailing progress through the "Discover Wonderful" APP progress query, or you can call 95508 for consultation.
4. After receiving the card, you can activate the card according to the instructions through the official channel of Guangfa Bank.
Credit card application channel:
1. Apply for a credit card online: apply for a credit card online directly through Guangfa Credit Card in official website;
2. APPlication for "Discover Wonderful" APP: Download "Discover Wonderful" App and click "My-Common Tools-Card Application"
3. Official WeChat application of "Guangfa Credit Card": Pay attention to the official WeChat of "Guangfa Credit Card", enter "Credit Card Application" and follow the prompts;
4. Counter application at outlets: you can apply in person at our outlets, and you need to bring your original second-generation ID card and income certificate and fill out a paper application form on the spot;
5. Apply for a credit card by phone: call our credit card 24-hour service hotline 95508;
6. On-site application of marketing personnel: Our marketing personnel will set up a marketing booth in the urban area to help you apply for a credit card on the spot.
Functions of credit investigation:
First, the impact of credit reporting:
1 will reduce the borrower's loan amount.
2. Do not give the borrower preferential interest rate or make the loan interest rate rise.
3. If there are many bad credit records, the borrower's loan application will be rejected directly.
4. It has an impact on recruitment, job hunting, renting a house, and even visas for going abroad.
5. Credit information difference will be blacklisted by the central bank, which will bring a lot of inconvenience to life.
Second, the influence of personal credit behavior:
1, arrears of water, telephone and other related expenses, these small things will affect your personal credit information.
2. If the borrower's debt is too high. Most people already have car loans and mortgages with repayment amount exceeding 50% of the borrower's monthly income, while credit cards with repayment amount exceeding 50% of the borrower's monthly income will be included in the bad credit information system.
3. The borrower applies for personal loan default. The loan principal and interest are not repaid or the guarantor is repaying; Those who repay their debts with assets in the near future and within two years will also be included in the credit record list.
4. The borrower's credit card is overdue. If the cardholder forgets to repay or has been in arrears, and the repayment amount exceeds six times in 1 year, it will be recorded.