1. How about Guangfa Owner Card?
Guangfa car owner card is still good. Guangfa owner card is also a kind of credit card, which pays first, but the consumption points and discounts are different from ordinary credit cards. The interest-free period can be up to 56 days.
The shortest time is 25 days. In addition, Guangfa Owner Card also enjoys these additional benefits: credit card refueling 1% cash return or 5 times points.
2. Is the repayment overdue two days after the repayment date of Guangfa Bank's credit card?
1. Not expired.
The credit card repayment of Guangfa Bank has a "time tolerance" service, and the time, that is, the last repayment date, can be automatically extended by 3 days. The tolerance is that the repayment amount does not reach the minimum repayment amount, but the difference is less than 10 yuan, and the minimum repayment amount is deemed to have been returned. However, although it is not overdue, it will not affect the personal credit record and suffer the punishment of reducing the income, but the interest generated will be charged as usual.
2. In order to prevent negligence from causing overdue repayment, it is best to set up an automatic repayment method for credit cards. China Guangfa Bank has several automatic repayment methods.
"Automatic repayment by bank" and "automatic repayment by smart account": Deduction will be made on the due date of repayment, and it will be received on the same day.
Automatic inter-bank repayment of UnionPay: Deduction will be made one day before the repayment due date, and it will be paid on the same day.
Automatic repayment of Guangfa Fund wallet: Deduction will be made one day before the due date of repayment, and it will be received on the same day.
3. The credit card payment of Guangfa Bank can be divided into several installments at most. How to calculate the interest?
1. Guangfa Credit Card can be divided into 24 installments at most, and the installment fee is calculated according to the installment fee without interest.
2. Installment payment fee
Divided into three installments, and the handling fee for each installment is 0.88% of the installment principal.
When it is divided into 6 installments and 12 installments, the handling fee for each installment is 0.7% of the installment principal.
When it is divided into 18 and 24 installments, the handling fee for each installment is 0.72% of the installment principal.
Four. The change of credit card address of Guangfa Bank can be handled in three ways.
Call the bank credit card center with the mobile phone number or fixed telephone number reserved when handling the card, and then transfer it to manual service to ask the customer service agent to help change the reserved address after authentication.
Modify through online banking, log in to the bank's credit card online banking, modify the address in Credit Card Bill-Manage Credit Card Bill, and confirm the modification.
Bring your ID card and credit card to the bank's business outlets and change your address through the bank counter staff.