Which one is better, GF True Love Card or GF Smart Card?

Each bank will issue different types of credit cards to meet the needs of different people. The same is true for China Guangfa Bank. Guangfa’s Car Owner Card, Guangfa True Love Card, Taobao Card, Smart Card, and Standard Card are all relatively popular. Taobao Card is mainly co-branded with Taobao. It is definitely more preferential for online shopping. It is for car owners who have cars. There are many discounts for one group, so which one is better, GF True Love Card or GF Smart Card?

Evaluation

Which is better, GF True Love Card or GF Taobao Card?

1. GF True Love Card: the first female-only credit card in China, with transparent card design. It advocates the female life philosophy of "independence, calmness, intelligence and spontaneity", and has functional services such as a triple points plan for merchants of your choice, an insurance plan of your choice, etc. It also enjoys discounts from many merchants, giving women more personalized choices and more considerate services. . True Love Card activities are the most popular. For women, 3 times the points for spending in department stores, travel, and restaurants is very attractive, and it is indeed very discounted. But men cannot use women’s health insurance. Then if you go to the forum, you will know that many netizens strongly recommend GF True Love Cards.

2. Guangfa Smart Card: The unique IQ300 smart consumption rebate discount allows you to enjoy super high rebate rewards, plus IQ300 smart consumption, overdraft cash withdrawal and installment points discounts, allowing you to double your points to offset fees. , the feedback is endless. Only with the new GF Smart Card can you claim to have IQ300 smart consumption wisdom. GF Smart Credit Card offers 5 times the points for cash advance/installment, and the points are discounted for the balance of charges, and there are discounts for new cardholders for cash advance/installment. However, some netizens suggest not to apply for a smart card, because you can only get multiple points by withdrawing cash. The calculation method is also more complicated.

3. True Love Cards and Smart Cards are different: If card friends are concerned about the points benefits of credit cards, they can compare the points plans of GF True Love Card and Smart Card. Women may choose GF True Love Card. It is relatively good, and it does have more benefits for female consumption. The smart card gives you 5 times the points for cash withdrawals and overdrafts. Choose the credit card that suits you best, and then go to the Guangfa Bank Industrial Branch with application supporting materials to apply. You can also apply online.

Guangfa True Love Credit Card

(Three times the points for the merchant type of your choice; free insurance for your choice; True Love Club)

How come there are two GF Credit Cards that have been approved? The cards are New Smart Card and Happy Card respectively. What levels of cards are they respectively?

When applying for a credit card, Guangfa will apply for two cards by default, one of which is the main card and the other is the supplementary card. Both cards are under the same account name and the accounts are common. GF Smart Card is an IQ-themed credit card, which is divided into two types: regular card and gold card. Guangfa New Smart Card has two types: regular card and gold card. Among them, the regular card limit of GF Credit Card Smart Card is generally between 3,000 yuan and 8,000 yuan, and the gold card limit is generally between 8,000 yuan and 50,000 yuan. The specific approval limit is How much, the bank still has to decide based on the personal qualifications of the cardholder. The better the personal qualifications, the higher the quota. The main feature of this type of card is to enjoy a lot of bonus points and cash back on purchases.

Annual fee for GF Smart Card: The annual fee is waived in the first year of opening a new card, and the annual fee for the following years is waived on a rolling basis by swiping the card 6 times or more

Features of GF Smart Card

You can enjoy 2x points when spending a single amount of RMB 300 or more with your card. (If the single transaction amount is less than RMB 300, you will still enjoy 1 times the points)

If you successfully apply for the interest-free installment of "Bang Niang Xing" or "Cai Zhi Jin", you can enjoy 5 times the points.

Repayment method

Online

1. Repayment via online inter-bank transfer via Tenpay

2. Repayment via online bank transfer of our bank

3. Online inter-bank transfer repayment on Kuaiqian website

4. Online inter-bank transfer repayment on Alipay

5. Inter-bank online bank transfer repayment

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Automatic transfer

1. Automatic transfer with Guangfa Licaitong Deposit Card

Self-service terminal

1. CRS cash repayment at deposit and withdrawal machines< /p>

2. Convenience store self-service repayment

3. Bank self-service equipment transfer and repayment

4. UnionPay "Xinpaytong" self-service terminal transfer and repayment< /p>

Telephone

1. Intra-bank transfer by phone

2. Inter-bank repayment by phone

3. Repayment by mobile phone text message

1. Inter-bank agency repayment via "Repayment Pass"

2. Repayment over the counter at our bank outlets

3. Inter-bank remittance repayment

Foreign Currency

1. Inter-bank foreign exchange purchase over the phone

2. Automatic transfer of funds from Guangfa Licaitong Deposit Card...

3. Telephone Foreign exchange purchase and repayment hot!

4. Over-the-counter repayment

Annual fee standard

Guangfa RMB general card: The annual fee for the main card is RMB 40 per year , the supplementary card is RMB 30/year,

GF RMB Gold Card: the annual fee for the main card is RMB 80/year, and the supplementary card is RMB 48/year.

GF Dual Currency Card: The annual fee for the main card is RMB 90/year, and the supplementary card is RMB 45/year.

GF Dual Currency Card Gold Card: Main card The annual fee is RMB 260/year, and the supplementary card fee is RMB 130/year.

The difference between Guangfa Smart Card and Duoli Card

Guangfa Smart Card is a credit card of China Guangfa Bank. It has two types: ordinary card and gold card. You can enjoy more points discounts and consumption cash rebates by using GF Smart Card. The annual fee can be waived in the first year, and the annual fee can be waived 6 times in the second year.

Use GF Smart Card to enjoy 2x points when you spend 300 yuan or more with a single card swipe. If you spend 500 yuan or more with a single card swipe, you can apply for interest-free installment payment, or you can set all purchases over 1,000 yuan to automatic installments. Payment. UnionPay Card

1.

Guangfa Duoli Card is a UnionPay card jointly launched by Guangfa Bank and China UnionPay***. Use this card to make purchases on Starbucks, Didi and designated ordering platforms. , you can enjoy up to 10% cash back, and use WeChat and Alipay to enjoy 1% cash back. Obviously, this is a magical card focusing on young people’s food, drink and fun, and its main focus is cash back on consumption.

2.

Guangfa Bank True Love Card is also a relatively popular credit card of Guangfa Bank. Applicants are mainly female users. After all, this is a female-only credit card.

Guangfa Smart Credit Card: Let your credit card points fly

If you want a credit card that can quickly accumulate points, it is recommended to consider this GF Smart Credit Card, whether it is for cash withdrawals or In installments, you can enjoy 5 times the points, which is one of the must-have cards for harvesting wool.

If you are interested in this credit card, it is recommended that you have a general understanding of some aspects of the card before applying, such as application conditions, annual fees, limits, benefits, etc., as follows. Let’s take a look.

Let’s first take a look at what kind of credit card this is

Guangfa Smart Credit Card is a fast points credit card that has been upgraded from the first generation to GF Smart Credit Card (new version) , the main benefits of this card are points. In addition to quickly accumulating points, you can also use the points to offset the balance of charges. The details are as follows:

1. All overdraft cash withdrawals of this card can enjoy 5 times the points. , at the same time, cardholders can enjoy 5 times the points on the installment principal when applying for interest-free installments of "Bianyanxing", "Caizhijin" and "Bill Installment".

2. The credit card points accumulated by this card can be used to apply for discounts on the balance of fees in the value-added service area of ??the points mall, and 20 yuan will be deducted for every 10,000 points.

This smart credit card can be applied for through multiple channels. You can apply at the counter or online. Compared with applying at the counter, applying for a credit card online is convenient and fast, but if you want to successfully apply for a credit card, you still need to meet the established conditions.

1. It can be a Chinese resident between the ages of 18 and 65, or an overseas person between the ages of 25 and 60.

2. Have a stable job, income and fixed residence.

3. No bad credit record.

4. Have complete and authentic credit card online application information.

After submitting the application, the bank will complete the review in about 15 working days after receiving your application information. Once the review is passed, the card can be issued. If nothing unexpected happens, it will be available in about a month. I have received your application for GF Smart Credit Card.

Then evaluate how much limit you can get by applying for the card

Credit cards are mainly used for overdraft consumption, so after the applicant successfully applies, China Guangfa Bank will give the cardholder the wisdom The card provides a certain overdraft limit so that cardholders can use the card to make overdraft purchases or withdraw cash.

According to the general rules for credit card limit approval, the credit card limit has a great relationship with the card level. Generally, the overdraft limit for ordinary cards and gold cards is less than 50,000 yuan, and the overdraft limit for platinum cards is generally more than 50,000 yuan. , the specific overdraft limit is subject to actual approval.

If the credit card limit is not enough, you can apply to China Guangfa Bank to increase the limit, including increasing the temporary limit of the credit card and increasing the fixed limit. China Guangfa Bank has a reputation for being punctual in credit limit raises, and can make credit limit raises once every three months to six months.

Credit cards issued by China Guangfa Bank can be divided into regular cards, gold cards, and platinum cards according to the card level. According to the card currency, they can be divided into single-currency cards and multi-currency cards. The annual fee standards for different card types are different. Similarly, some have annual fees below 100 yuan, some have annual fees above 100 yuan, and some have annual fees above 1,000 yuan.

Guangfa Smart Credit Card is a UnionPay single-currency card, with two levels: regular card and gold card. The annual fee for the regular card is 40 yuan/card/year for the main card, and 20 yuan/card/for the supplementary card. The annual fee for the gold card is 80 yuan/card/year for the main card and 40 yuan/card/year for the supplementary card.

In addition, China Guangfa Bank stipulates that if a Gold Card card is swiped 6 times in the current year, the annual fee for the next year will be waived. The annual fee-free period of a credit card is not based on natural months or natural years. It is based on the 12 months after the card issuance date. The annual fee of GF Smart Credit Card is also based on this standard.

Finally, let’s take a look at the cash withdrawal situation of this credit card

Every overdraft cash withdrawal with Guangfa Smart Credit Card can enjoy 5 times the points accumulation. If you withdraw 10,000 yuan in overdraft, you can Earn 5,000 credit card points.

In addition, the card can also enjoy a handling fee discount for cash withdrawals. The first three overdraft cash withdrawals within 3 months after the card issuance are free of charge, but this discount can only be completed within 3 months after the card issuance. If the transaction has not been withdrawn for more than 3 months, or if the cash is withdrawn after 3 months, the discount will not be enjoyed.

The above is an analysis and introduction to all aspects of this GF Smart Credit Card. If you think it is good, please give it a thumbs up. If you think it is not comprehensive enough, please give us feedback on the questions you want to know and we will add more. , I sincerely hope this guide can be helpful to everyone.

How about the GF Smart Credit Card Gold Card?

Guangfa Smart Credit Card is a RMB single-currency credit card issued by GF and suitable for white-collar workers at home. What are the basic services of GF Smart Credit Card Gold Card? The annual fee for the GF Smart Credit Card Gold Card is 80 yuan, and the first-year annual fee is waived. The annual fee for the next year is waived by swiping the card 6 times. The interest-free period is up to 50 days.

The features of GF Smart Credit Card are mainly reflected in the accumulation and redemption of points. The specific details are as follows:

Guangfa Smart Card has IQ300 smart consumption rebate discount, allowing you to enjoy super high rebate rewards, plus IQ300 smart consumption, overdraft cash withdrawal and installment points discount, allowing you to double your points to redeem Consumption and feedback are endless. Only with the new GF Smart Card can you claim to have IQ300 smart consumption wisdom.

5x Points Overdraft/Instalment:

Smart Points Discount allows you to enjoy exclusive multiple points accumulation discounts, allowing you to accumulate points faster.

5x points for overdraft: You can enjoy 5x points for all overdraft withdrawals with Guangfa Smart Credit Card, making your cash withdrawals more favorable.

5 times the points for installment: Guangfa Smart Credit Card has successfully applied for the interest-free installments of "Bang Niang Xing", "Cai Zhi Jin" and "Bill Installment", and you can enjoy 5 times the points for the installment principal.

Points can be used to discount the balance of fees and charges:

With the rapidly growing smart points, you can directly apply for discounts to the balance of fees and charges through the Guangfa Card 24-hour customer service hotline 95508. Every 10,000 points can be used to offset the balance of fees and charges. 20 yuan, the feedback is real, no need to worry about the points being nowhere to be used!

Example: Mr. Li purchases a mobile phone with a credit card of 5,000 yuan, and performs installments on the transaction. The smart points he earns can be used to offset the off-payment fee by 60 yuan.

New card overdraft/installment discounts:

The first three overdraft withdrawals within 3 months after the issuance of the GF Smart Credit Card are free of charge, and the first 12 and above installments are shared. For a certain number of consumption installments (Xianxianxing) or cash installments (Caizhijin), the first three installments will be exempted from handling fees. More effortless!

Example: Mr. Zhu handled a sample bank installment of 5,000 yuan within 3 months after the card was issued, divided into 18 installments. The handling fee for each installment is 0.7% of the principal, and the handling fee can be refunded. ***108 yuan.

Application for credit card Guangfa Bank credit card selection

That’s it for the introduction of Guangfa’s new smart credit card.