Two ways:
1. repayment by mobile banking: users can directly log in to the mobile banking of Guangfa Bank, bind their personal credit card account and debit card account, and make direct repayment through the credit card repayment function of mobile banking. This method requires users to hold a debit card account of Guangfa Bank at the same time, and then complete the repayment through the debit card. Online Banking Repayment: Log in to Guangfa Bank and directly repay the bill of Guangfa Bank's credit card account through Guangfa Bank's debit card account.
Second, the third-party repayment method: credit card repayment can be completed through the platform. This repayment method can be completed by using the debit card account of any bank, provided that the Guangfa credit card account in the platform needs to be bound, and the credit card repayment needs to pay a certain service fee. Automatic repayment: You can bind the personal credit card and debit card accounts of Guangfa Bank and open an automatic repayment credit card. On the day of repayment, the banking system automatically debits the debit card account of Guangfa Bank.
1. Guangdong Development Bank Credit Card is the first standard credit card in China. The credit limit of the card is preset according to international standards, and consumption is preferred. There is no need to deposit after repayment, which can be used for overdraft consumption and cash withdrawal transactions. The first is the standard card, which is used by the general public and has no specific directivity. Truth Card and Pearl Card are high-end credit cards specially designed to locate women in the new era. These credit cards will get certain discounts when buying some female consumer goods. The owner's card is for private car owners. They will enjoy more discounts on gasoline and car maintenance, and Guangfa Bank has also issued business cards. This business card can be used in some large consumer places and hotels, and enjoy a certain preferential amount in some hotel services and reservation business. The interest-free period of related interest overdraft consumption can be up to 50 days.
2. If you repay in full before the repayment period stipulated by the bank, you can enjoy the interest-free treatment from the trading day to the repayment due date. The repayment method is flexible, and you can repay in full or choose the minimum repayment amount. Domestic overdraft withdrawal fee: 2.5% of domestic overdraft withdrawal amount, with a minimum of 10 yuan RMB (platinum card, no card/world card free), and overseas withdrawal fee: 3% of overseas withdrawal amount, with a minimum of 15 yuan RMB/USD (no card/world card free). Foreign exchange handling fee: 1.50%. Management fee for account cancellation: the charging standard for each account cancellation is 5 yuan /6 yuan.
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What are the credit card repayment methods of Guangfa Bank?
First, automatic repayment
The cardholder dials 95508, or logs in to the online banking of Guangfa Bank () to register and open the automatic transfer repayment service, and the cardholder's savings account can automatically transfer and repay the current arrears on the repayment due date. Cardholders are free to choose full repayment or minimum repayment. The credit card of Guangfa Bank supports US dollar repayment and RMB foreign exchange purchase repayment.
Second, self-service terminal repayment
The cardholder deposits cash for repayment in 1 minute according to the prompt through CRS, and the credit line is restored in real time, which is recorded on the same day (after 22: 00, recorded on the next day).
In Shanghai, cardholders can also deposit cash into GDB card through the self-service deposit machine of Shanghai Bank for repayment, and the credit line will be restored in real time, and will be received within 2 working days. It's free.
Third, online repayment.
Cardholders can log on to the website of China Guangfa Bank () and visit personal online banking, and then transfer the repayment from the Guangfa savings card to the credit card through the credit card repayment function, restore the credit line in real time, and record it on the same day (18: 00 and record it on the next day).
Online cross-bank repayment: Cardholders log on to Alipay and Tenpay websites, enter the credit card repayment page, and simply fill in the repayment information according to the prompts, so that they can easily use the savings cards of more than 20 banks (including the four major state-owned banks) for cross-bank repayment.
Fourth, SMS repayment.
The cardholder can register and open the SMS repayment service at the outlet of Guangfa Bank, bind the Licaitong card with the credit card, send SMS at any time to transfer the repayment from the Guangfa savings card to the credit card, restore the line in real time, and record it on the same day (after 22:00 the next day).
Verb (abbreviation of verb) counter repayment
Cardholders can go to local bank outlets that have opened counter services and deposit cash into GDB cards for repayment, and the repayment will be recorded within 2-3 working days.
The intransitive verb Lacarra repays.
Cardholders can use the UnionPay savings card of any bank to transfer money to GDB through the UnionPay self-service terminal (Lacarra logo terminal) for repayment, restore the line in real time, and record it in the next day.
Seven. Foreign currency repayment
Transfer RMB to GDB card in full by any of the above convenient ways. You can call 95508 at any time to apply for foreign exchange purchase, and use RMB self-owned deposit in the card to repay foreign currency arrears in the card without any account opening procedures! Payment will be recorded within 2-3 working days after successful acceptance.
You should pay attention to some problems in credit card repayment of Guangfa Bank.
I have received some questions from credit card holders of Guangfa Bank these days. Now I'll sort it out for everyone to see. These questions are asked by many people and can be said to be very representative.
(1) Q: How can Guangfa International Credit Card repay?
A: It is suggested to use the wonderful APP/ WeChat Bank/Mobile Banking/Online Banking channel found by Guangfa Bank, and use the 12 debit card of other banks such as Guangfa Bank or Zhong Jian Bank of Workers and Peasants to make self-service foreign exchange purchase repayment, or simultaneously open the bank/UnionPay inter-bank automatic foreign exchange purchase repayment, which is convenient and quick.
(2) Q: Since there is no branch of China Guangfa Bank nearby, what channels can be used for repayment?
A: It is recommended to use the Discover wonderful APP of Guangfa Bank to support cross-bank repayment of debit cards of Guangfa Bank and several banks. Download and log in to find a wonderful APP, click "My → Common Tools → Quick Repayment" and follow the prompts for self-repayment; Or click "My → Common Tools → Quick Repayment → Repayment Settings" and follow the prompts to bind the debit card of Guangfa Bank or other banks for automatic repayment.
(3) Q: How to open the function of "automatic repayment of foreign exchange purchase"?
A: It is recommended to use the "Discover Wonderful" APP of Guangfa Bank. Download login and find the wonderful "APP". Click "My → Common Tools → Quick Repayment → Repayment Settings". You can use the 12 debit card of Guangfa Bank or other banks such as Workers and Peasants Zhong Jian to open the bank/UnionPay inter-bank automatic foreign exchange purchase repayment, which is convenient and quick!
How to repay Guangfa Credit Card?
Guangfa Credit Card can easily combine UnionPay inter-bank repayment and bank repayment for credit card repayment. If you need to handle it, you can use Huawei Changxiang 10 (version 1.0.0), open the "Discover Wonderful" app (version 6. 1. 1), click "My → Quick Repayment → Repayment Settings" and follow the prompts.
1. Guangfa Credit Card is the first domestic standard credit card issued by Guangfa Bank 1995, and it is also the first profitable credit card. The credit limit of the card is preset according to international standards, which is used for overdraft consumption and cash withdrawal transactions without pre-deposit. The interest-free period of overdraft consumption can be as long as 50 days. As long as you repay in full before the repayment due date stipulated by the bank, you can enjoy interest-free treatment from the trading day to the repayment due date. The repayment method is flexible, you can pay off in full, or you can choose the minimum repayment amount, enjoy revolving credit, and manage your finances more freely.
2.GDB Card always adheres to the service concept of "Give you more, see further for you", takes customer demand as the guide, and leads the credit card market in China with innovation and market segmentation. By June of 20 10, the number of cards issued exceeded 100000, forming a distinctive "wide card issuing model" with the simultaneous development of "quality" and "quantity", and becoming a well-known brand in the credit card field. Guangfa Card has successively won the honors of "Top Ten Most Trusted Bank Cards in the World/China", "UnionPay Standard Credit Card Market Development Award" and "Best Customer Service Award in Asia Pacific". At the end of 20 10, the credit balance of GDB card exceeded 30 billion yuan, and the profit growth rate exceeded 80%. Net profit leads the credit card industry, and the new NPL ratio is below 1%. The card's activity rate, average income and average profit are all ahead of the industry.
3. In order to ensure the safety of funds, you can enjoy free SMS reminder for every transaction in 300 yuan, keep abreast of account changes, and feel more at ease when using the card. If you need SMS reminder service for all transactions, just dial 95508 to open it, and the cost is only 3 yuan every month. Send an instant messaging message through port 95508 (mobile/telecom users) or 10655020288 (Unicom users), the message content is "Your last four cards are located on xx, xx, xx, and you spend xxxx RMB." Please pay attention. Banks provide customers with credit card protection, and customers do not have to bear the loss of credit card theft within 48 hours before reporting the loss, and the amount of protection is as high as the full amount of credit!
4. Set up a 24-hour service hotline 95508 or (86)20-873 10029 to provide GDB customers with faster and more intimate services. Online services include: GDB card business introduction, bill inquiry, customer preferential information, GDB card opening, credit line adjustment, online instant loss reporting, data modification, integral gift exchange, etc. Customers' various card needs for GDB cards can be properly handled by simply calling.
How to set up automatic repayment for Guangfa Credit Card?
1. Automatic repayment mode of Guangfa Credit Card: When applying for a credit card, check Enable Credit Card on the application form and dial 95508 directly.
2. After the credit card is opened, log in to the online banking to entrust the opening.
3. A million dollars is too far, but it can raise 50%.
4. The automatic repayment of credit cards is basically the same, which is related to your other debit card (savings card) or passbook. You will be automatically deducted before the repayment date (of course, your debit card or passbook must have enough balance and all of them are current). As for this procedure, you can usually go to the counter. In addition, if the relevant card is set to another bank, a part of the handling fees of "automatic repayment by our bank" and "automatic repayment by smart gold account" will generally be charged. "UnionPay Inter-bank Automatic Repayment" will be deducted one day before the repayment due date, and will be paid on the repayment due date; "Automatic Repayment of Guangfa Fund Wallet" will be deducted one day before the due date of repayment, and will be received on the same day; "